vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
I have paid this debt and they continue to report false information on my credit report. Defaming my character and causing me a hard time trying to get credit beCause of this false statement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. Ive advised ABILITY RECOVERY SERVICE of this. Ive disputed the validity of all of these accounts with ABILITY RECOVERY SERVICE several times to no avail. ABILITY RECOVERY SERVICE refuses to provide me with the documentation Ive demanded them to provide me with, in order to validate this debt is mine without a shadow of a doubt. They sent me a letter that does not contain my actual wet ink signature. They have no proved this debt to be mine and yet the refuse to do the honorable thing and remove. If they continue to refuse do as I demand. I will file a lawsuit against ABILITY RECOVERY SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NY

Complaint narrative:
Charged overdraft fee on XXXX XXXX, but looking at order of transactions posting on my screen it made no sense. Called help center, they gave me a different order of transactions than what is on my end. Still made no sense. Agent says, " Oh, you 're looking at your screen right now? Let me switch my screens. '' Then the agents stops talking about " order of postings '' and switches to " lets do the math '' because you were overdrawn by XXXX cents. 
( I wont even go into how repugnant it is for a company to charge XXXX overdraft fee on {$0.00}, especially when you have three different direct deposits going in to that account, 1 weekly and 2 monthly. ) I interrupt, I say, " Ma'am, I know the math, but you assess you fees in order of posting and that is what I would like to address. I get overdraft fees and do n't call because I can easily see the order of postings. I am not letting this one go. '' She responds that she is not waiving the fee. So say, well there is really no reason to keep speaking with you. I ask for someone with the authority to do so, she said no one at the contact center would. I ask for a number or email of someone above her and she says I will have to go to my Branch. Which really makes me annoyed since whenever I go to a branch the always say to call. 
If I ca n't trust what my screen is telling me is the order of posting, if when fees are assessed the bank gets to talk about " batch posting '' and every time you call they say their own version of postings, when you click on a prior day 's postings they all say XXXX, how is the consumer supposed to trust the fair application of these fees? 
If a fee is assessed in error they still refer to it as waiving a fee, like they are doing you a favor. Courtesy waivers and rectifying an error are two different things. They should be treated differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MT

Complaint narrative:
I had my account locked for over a year and now want access since the number of bitcoin there is worth a good sum of money. I have been waiting for the " specialist '' to help me for a while and nothing so far. 

Why does it take this long to response an issue? XXXX does n't care about its customers and is greedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: SC

Complaint narrative:
My credit was pulled XXXX/XXXX/XXXX because I am in the process of buying a home and I noticed the spelling of my first name was incorrect for TransUnion. 

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 non-monetary relief
Consumer complaint received 2017-12-22 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: TX

Complaint narrative:
sent po report to XXXX inaccurate information must remove violation of my rights with wrong information cra and hippa violations

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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:
sent po report to XXXX inaccurate information must remove violation of my rights with wrong information cra and hippa violations

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 2017-12-22 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX and I was getting prepared to purchase a home. The lender pulled my credit report and Experian has someone else 's information on my credit report. I have disputed the items including accounts, names, and addresses and some have been removed but some items are still listed. They are listing several open student loans when there should only be one open student loan that I consolidated. The remaining loans are the other person 's as well. This upsets me because I am very credit worthy and this is n't fair. Experian is the only credit reporting agency that has this incorrect information. I am sending pages of my credit report showing the incorrect accounts that I disputed with them and have yet to be removed. As of today 's date they are still reporting. The most frustrating part is I had to send them proof of my identity and they still did not confirm the information. The other person has the same first name but NOT last name. Also I believe the other person 's social may be very close to mine but that is no excuse for Experian not to be thorough in their investigation.

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 2017-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I have contacted the debt collector, TELERECOVERY, via certified mail due to them have reported negative items on my credit report. I sent a letter to them and have given them over 30 days to contact me. The letters I sent to them asked them to validate the accusation and to send proof of what they are reporting. It is my right to ask for validation about any accusations concerning a debt. I let them know that it violates FCRA 15 U.S.C. 1681i, all unverified account must be promptly deleted. It is damaging my credit worthiness. 
TELERECOVERY, medical collection balance, {$110.00} U.S. certified mail tracking # XXXX XXXX XXXX XXXX XXXX ; mailed off XXXX/XXXX/XXXX, delivered XXXX/XXXX/XXXX @ XXXX

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 2017-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for a credit card a few days ago and since sign up I have been continually denied an instant ( temporary ) credit card number that would be effective to start purchases until I received my official card in the mail. I have been told '' we do n't do that '', " you should have signed up online '', and " you should have received it when you first applied " ( even though I did request it at that time and they denied the request ). Even though I express the urgency of needing to use it right away, all I was told was that I should reschedule what I am trying to purchase. ( Of which purchase could go up in price in doing so, will American express be paying the difference since I was denied a temporary card? ) I have spoken with numerous representative both on XXXX/XXXX/XXXX as well as today. Today I spoke with XXXX, a customer service agent ( who stated I should have gotten it when I first applied and after saying I did request it at that time, told me she could n't help and that she would transfer me ) and XXXX ( id # XXXX ) whom stated I would need to wait for my card in the mail. 
According to the terms, conditions, and disclosures of the credit card, an instant number is only limited to being based on the ability to validate my identity. There is no additional fine print stating any of the information provided to me by the representatives I spoke to and therefore I would have received the requested temporary card without any hassle. 
This has been the worst service and makes me wonder how my future service will be if I am treated and being made to feel like and unvalued customer in the very beginning, if they are n't following their own terms, conditions, and disclosures, and making me feel as though they do n't care if I stay with their company as a consumer or not. There are many other competition companies out there and with American Express being such a large company, you would think they would want to keep as many customers as they can being how there are so many other competitive companies out there to choose from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: ME

Complaint narrative:
XX/XX/XXXX I received my property tax bill from my town. I immediately asked for ( in writing ) an abatement from them because they had omitted the homestead exemption. The amount they assessed in error was $ XXXX.The correct amount was in fact {$980.00}.

( The taxes were due XX/XX/XXXX ) On XX/XX/XXXX I was granted the abatement by the town and my taxes due amounted to {$980.00}. I mailed letters about this change to my servicer, Fay Servicing at 2 addresses they listed, as well as emailing my account manager on XX/XX/XXXX.

On XX/XX/XXXX I got an email from Fay Servicing saying my taxes had been paid to my town for {$1200.00} ( more than was due, even if the original bill had been correct. ). There was no mention of receiving my letter that the original bill had been in dispute, and not to pay that amount until I got this sorted out. I had my sister call Fay on XX/XX/XXXX and left a voicemail for my account manager saying the taxes were paid in excess. ( Im hearing impaired and do not use the phone ) That check was not cashed and Fay voided the check on XX/XX/XXXX.

On XX/XX/XXXX Fay remitted the corrected tax amount to the town for {$980.00}.

That is issue # 1 I have with Fay : paying the incorrect amount although they had advance notice my original taxes were in error. Even then, Then the taxes were paid late.

My 2nd issue is that today XX/XX/XXXX I received a letter from my homeowner 's insurance company that my policy was cancelled due to nonpayment. My monthly mortgage payment includes an escrow account from which taxes and insurance are to be paid. The insurance was due XX/XX/XXXX. My insurance agent had sent Fay the insurance bill on XX/XX/XXXX.

When my agent today ( XX/XX/XXXX ) talked to Fay about the home insurance he told me they ( Fay ) were off nearly a month on my coverage dates comapred to what my insurance company has. The lady he spoke to was going to " make the necessary changes. '' This happened last year too ... .Fay didnt pay the insurance on time and I had to sort things out with them and the insurance company. I also get charged more because the bills are paid late.

I also have an issue with Fay not setting up the initial escrow account on time. It took them 2-3 months to set up the escrow, then only after I asked " why dont I see payments going into an escrow? '' The answer was " whoops, sorry, oversight. '' My last complaint is that the customer activity statement is so convoluted that I am having trouble understanding it ... .And there are several late charges noted although since Fay took over my servicing I have never been late nor missed a payment. There are also charges for property preservation in spite of my questioning this on the basis of never having left my home, and always maintaining my wish to live here permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was sent a credit card in XXXX that I was told I applied for in XX/XX/XXXXfrom BBVA Compass. I am sent new debit cards very regularly so I assumed it was a debit card. I only realized it was a credit card when I received the statement in XXXX asking for a minimum payment. I called immediately to find out what happened. I canceled the card as soon as they explained the situation to me. I spent 4 hrs being transferred from one dept to the next over the next two days only to have nothing resolved. I explained that I want to pay the ballance but can not do so in the time frame they set up. I do not want to pay fees or interest. I am XXXX XXXX XXXX and have never had or wanted a credit card. My credit is very good and I 'm responsible with my money. I asked for some resolution in this matter but just kept being transferred to another dept over and over again. I 'm afraid this account will go into default resulting in a negative impact on my credit score. Please help any way you can. I feel the card was sent to me without me applying for it. It seems to me there is some deceptive practices being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. XXXX just added " OK '' for every month until present date to the XXXX account closed since XXXX Original date of age off was XXXX in XXXX now age off date is XXXX Data for joint account holders of same XXXX account reported by same CRA Experian does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least 5 different XXXX and multitudes of dates when the account was closed.

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 2017-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2017 I called CHASE/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, DE XXXX, ( XXXX ) XXXX ) in attempt to negotiate in good faith a charge off account and was turned away in hopes that they receive a bigger pay-off. Please advocate on my behave that chase accept my of 12 % the balance payment as I have told them I 'm in financial distress. My name is XXXX XXXX and the account number referenced is # XXXX Thank you ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
While checking my credit reports I noticed Diversified Consultants has shown back upon my reports. This debt is not mines as I have relayed that to XXXX on several occasions. I WAS XXXX at the time this account was opened. I do not recognize this debt and it is not mines.This unverified debt has caused major stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I have been a customer with Coinbase for 4.5 years. On XX/XX/XXXX I requested that my account be locked until XX/XX/XXXX because my laptop was stolen from me and I was paranoid that my account would be accessed. On XX/XX/XXXX, I e-mailed support Coinbase to determine the steps needed to unlock my account. I have not received any further e-mails from them since. I have called, waited 1hr and 30mins on hold and was connected to a employee who said that my support ticket would be pushed to a specialized team to handle my issue. It has been 10 days since that support call and still no contact and still no access to my account. During my time locked out of my account the value of my account holdings has risen and fallen over {$20000.00}.

As a Coinbase customer for 4.5 years, with high value holdings I thought I would be treated better than a month wait time on what should be a simple request for my account to be unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
There are multiple unauthorized transfers ( total more than XXXX XXXX ) made by a paypal account from my saving account in XXXX XXXX, those transaction went through without any authorization or approval from me, I contact paypal and they refuse to recover my loss or provide contact info about the merchant, which is totally unacceptable : XXXX XXXX, XXXX RETURNED ITEM FEE FOR AN UNPAID {$980.00} ITEM - DETAILS : PAYPAL XXXX XXXX WEB ID : XXXX XXXX XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$380.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$1300.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$970.00} {$2300.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$930.00} {$3300.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$760.00} {$4200.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$640.00} {$5000.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$560.00} {$5600.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$500.00} {$6200.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$420.00} {$6700.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$350.00} {$7100.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$270.00} {$7500.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This account wasnt opened by me and on top of that this account has shown closed on my credit and every month its still attaching a late fee. This company need to properly closed the account and stop charging it every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I co-signed on a student loan and am the only one paying for they ca n't find the original borrower. I spoke with my account rep and explained the hardship after being threatened of being sued. I was told that I was enrolled in the XXXX XXXX XXXX forgiveness plan and the payments were set up for a year and 2 months at {$130.00} for 2 loans. I met the requirements by setting up automatic payments through my checking account. I was told that once these payments were completed that would be it ... .no more student loans. Now, I 'm receiving phone calls and emails about re-enrolling in a rate reduction plan and that I must have misunderstood because there 's no such thing. Loan Forgiveness is only for federal loans not private. I voice my disapproval and concern about being lied to but got no where. I finally agreed to set up payments through this rate reduction plan and was told that it was only for 6 months but the plan required 12 months of payments. I was also told that this is a step program and that the payments were definitely going to increase. The payment was to be automatic from my checking account in the amount of {$160.00} for 6 months and then the remaining six payments would be {$340.00} per month. I expressed that I could n't afford that and would not agree to a pre-recording a message that stated that. I was unable to workout a suitable or affordable payment plan with them. I am continuing to call in hopes of finding an understanding rep. 
Also, I have read that there is a lawsuit involving Navient and CFPB. I am interesting in being apart of the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been contacting Equifax for months and they have not sent me ONE LETTER back! My Equifax credit file just disappeared. I read online where they like to do this to consumers that dispute things with them. I am just another victim of their vengeance. They are robbing me of letting me see my consumer information and robbing me of investigating the illegitimate things on my report with them. The attached documents i never received any response letters from them.

Company response to consumer: Closed with explanation