vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I tired to make a purchase on XX/XX/2018. I called Citibank credit card and they could not verify my account through the phone number I gave them. They said they would send a verification letter in the mail. 3 weeks and several phone calls and I still cant use my card, pay my bill, log into my account, or even report the card stolen. They asked for another credit card number to verify. I gave them my XXXX XXXX  card number that Ive had over 3 years. They still couldnt verify my account. They are doing nothing to resolve the situation. I got my bill in which I cant pay but no way mail to verify the account. I asked them to send an email. They wouldnt do that. I cant make a payment or report the card stolen and I am worried they will try to make me pay a late fee.

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 2018-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have a large amount of private loans through Navient, in which originally began 10 years ago when I started my XXXX degree. I am currently finishing my XXXX XXXX, however ran out of " deferment period '' due to being in school too long. I have had to pay Navient a series of {$150.00} every three months to place my loans into forbearance status until I graduate with my second degree and am able to make the payments. My loans were set up to enter repayment on XX/XX/XXXX if I did not pay an additional {$150.00} to place them in forbearance for another three months. I called customer service on XX/XX/XXXX, spoke to customer service, paid the {$150.00}, and was emailed confirmation that the payment was successfully processed. However, Navient did not process the forbearance request and on XX/XX/XXXX, a total of {$590.00} was deducted from my checking account, causing my checking account to overdraw and leaving me with {$140.00} in overdraft fees ( a total of {$740.00} taken from my account, unauthorized ). I did not discover that Navient processed the payments until XX/XX/XXXX, and immediately called them where the representative refused to allow me to speak to a supervisor and simply stated that the forbearance was not processed the previous week as it was supposed to be, but she would do it immediately. I went through the motions of the questions to place the loans into forbearance again, and got the confirmation that it was successfully processed, again. The representative stated that the funds " should be '' returned to my account in 3-4 business days, however she could not verify if it would, in fact, be refunded. If it was not refunded, I could then call back and complete a refund request with a supervisor, but could not speak to a supervisor until that time. In addition, I provided them documentation that my checking account was overdrawn and I was charged {$37.00} for each loan ( 4 loans total ) as overdraft fees, totaling {$140.00}. The statement that I was provided from my bank had shown 3 of the 4 loans resulting in an overdrawn fee, and they placed the 4th fee on another payment that was made the same day that was authorized. Consequently, Navient would only pay {$110.00} of the overdraft fees and would not be processed in my account for 10-11 business days. Over the course of the past five years, I have had nothing but problems with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau Services, Inc.
State: MT

Complaint narrative:
I never got all the bills when i did i paid has fast has i could. i paid the bill in full the collection bureau services inc. XXXX XXXX . claims i did not pay fast enough so they claim i have to pay over 1.000.00 in interest fees on a XXXX doctors bill. I filed a dispute no one paid attention I even offer to pay good will payment till we got it cleared up they just took all my money out of my bank account left me whit o taking all my food money gas money and my house payment they are not to take every cent from someone fair dept collection practice act 808. c15 usc 169zf or 2f thank you i will call them monday and ask for my money back so i have some food thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
XXXX XXXX issues a credit card in collaboration with XXXX that claims no interest on purchases of XXXX products. I have previously used the card successfully. Recently purchased an XXXX computer and paid balance on time in 3 installments. XXXX XXXX charged interest nonetheless. I objected but they insisted that original payment terms did not apply.

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 2018-05-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Hello my name is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. The last 2 years I have been a missionary in XXXX XXXX, XXXX & XXXX. Im in the process of selling my home the above address is my friends home that I use as my new address. The problem Im having is that this last year again they put my home in the flood plain, this has happened before at least 3 other times and within a few months they removed me from the flood plain, I live 7 miles up hill from the XXXX river. The problem I have is I never got any notice of the change in the flood plain. My mortgage company took out a flood insurance but Bank of America took out one also because I had a home equity loan for around {$700.00} and I paided it off three weeks ago which my final balance was just under {$500.00}, this is when the cashier asked me when would I pay the rest, thats when I found out that they put a force flood insurance on my home because I never replied to them. When I tried to clear this up they said that BofA needed to be on my mortgage for the to remove it, but I then found out that my mortgage company and BofA would not put either on each others policy. The funny thing is BofA sold my mortgage to my mortgage company XXXX XXXX ( was XXXX befor XXXX XXXX. XXXX XXXX suggested that I buy another policy with both names on it too clear up the problem, I guess that money grows on trees. 
XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX, ins. XXXX, {$660.00} Bank of America account # XXXX, XXXX, ins. # XXXX, {$770.00} Total for both {$1400.00}, Im a poor missionary, XXXX Vet, and will only receive {$3000.00} or even less at closing. Your help in this matter would be greatly appreciated. God Bless

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 2018-05-25 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 — Investigation took more than 30 days
Company: United PanAm Financial Corp.
State: IA

Complaint narrative:
i was financed for a loan on a used vehicle that turned out to have the miles rolled back. XXXX XXXX with the DOT is working my case. The company I have the loan through wouldnt accept my first months payment, have no repossessed the car and are reporting my late payments to the credit bureau too. The are fully aware of the mileage being rolled back and that I have filed a complaint with the DOT. I should be exempt from responsbility of this loan because the car 's value isnt even worth the down payment of {$2000.00} that I lost and now my credit has gone down the XXXX because of their filing to the bureau. I have filed a complaint with the Iowa Attorney General too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.

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 2018-05-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ZARVAD III S.A.
State: IN

Complaint narrative:
I got a loan from mypaydayloan and was doing a good job keeping up my payments, although their a.p.r is higher than the 36 % Indiana law mandates.. But I fell on some financial issues. It was difficult to pay them back and I let them know this through emails. They were actually paid back the principal and significant amount of interest accrued. My phone was off at a point. They stated they were trying to reach me. They stated they through email, as well. When I did look at my emails, that's when I responded about my issue. 

Unfortunately, now the claim is with XXXX, a 3rd party and I have been paying them for this debt, that is up to over {$1000.00}, when I borrowed {$200.00}. They stated they are going to take the claim to court if I do not pay. And I can't afford that. So I pay them. Can they charge me this much, rightfully?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX  XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.

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 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX  XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX  XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX  XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.

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 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: GA

Complaint narrative:
A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.

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 2018-05-25 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
- XX/XX/XXXX ; Ally Financial was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with Ally Financial Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; Ally Financial credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX Ally Financial sent confirmation mail, " Ally has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with Ally Financial discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
*Ally Financial sent confirmation mail, " Ally is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to Ally about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX , " Completed investigation of FCRA dispute - consumer disagrees '' OR XXXX XXXX , " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX  sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!

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 2018-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Innovis
State: GA

Complaint narrative:
A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Source Receivables Management LLC
State: LA

Complaint narrative:
I recently obtained a copy of my credit report on XX/XX/2018 and I seen that I have a {$1200.00} bill from a collection agency named Sources Receivables Manag that was sold to them by XXXX. I then attempted to reach out to the company to send me a debt validation letter to make them look into the account further because I didnt have any cancellation fees with XXXX when I disconnected my devices because I wasnt under contract so I knew I definitely didnt owe them {$1200.00}. The company stated that they had previously sent me a letter and wasnt going to send me another one. I then asked for the address that they sent it to because I didnt receive one. They gave me an incorrect address, I advised them that it was wrong and asked would they send it to my correct address and he told me no he wasnt going to, I asked why and he stated because he sent it to the address on file and I then let him know again that it was incorrect. He said that his associates talked to me on numerous occasions & that they notated the account each time with statements that I had given them telling them why I couldnt pay off the debt. I let the representative know that I havent talked to anyone about this account, I didnt even know it existed until this month. He then proceeded to keep reading the falsified statements that were made by his associates and I again told him that I havent spoken with anyone at anytime about this debt. He ended the call stating that he would not send a debt validation letter to my correct address and I could settle the debt for {$600.00} if I wanted to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2018, I deposited {$200.00} into coinbase by purchasing ETH from them these funds were not made available to me. When I tried to send them to another wallet they didn't transfer. I was told that within 30 days if the transaction is not delivered it would return to my account. Later, when I contacted Coinbase customer support again after 30 days, they said the digital Cryptocurrency couldn't be refunded due to its technology. 

The {$200.00} I deposited into Coinbase is gone and the money wasn't delivered to any address. It just disappeared. 
For reference case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: WA

Complaint narrative:
I applied for a loan of XXXX , but it wasn't entirely clear what the fees were until after I received the funds. I received a call, and the caller hastily went over the agreement which made it difficult for me to entirely understand what the fees were. 

On their website, my profile states that I have a monthly income of XXXX . They never requested a paystub or any kind of proof of income. I earn XXXX $ Bi-weekly and don't know how they came up with this number. I do not have the ability to pay back this loan with my current income. 

I would like to know what my options are and would greatly appreciate assistance with this.

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 2018-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently signed up for an XXXX XXXX AAdvantage card from Citibank. After I received the card in the mail I called and asked to have how I earn miles explained. I was told how the miles for purchases were calculated and also that if I spent {$1000.00} I would receive " bonus '' miles. After I spent this amount I called to ask when these miles were posted and told that I was not in fact eligible for this offer, which made me wonder why in fact 1 ) the offer to sign up for the card mentioned this " bonus '' and 2 ) I was encouraged to spend {$1000.00} in order to receive the bonus. 

I find the conflicting information given by Citibank confusing if no outright dishonest.

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 2018-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I advice Ace Cash Express Corporation in XXXX, Tx on XX/XX/XXXX-XX/XX/XXXX that I am working The Dept Consolidation Company Consumer Capital Advacates along with XXXX XXXX  XXXX XXXX XXXX to settle and resolve my loan Dept account. 
Customer ID:XXXX. 
And provided them the Documents by E-mail to direct all communication with my Dept Consolidation Company who is trying to settle my loan dept. 
They went to go threaten me as and customer consumer telling me if they don't received any payments they is going to threaten collection action when my dept Consolidation group advice me to reach out to Ace Cash Express to contect them regarding my loan account. 
To set up and settlement agreement to resolve my loan account

Company response to consumer: Closed with explanation