vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I keep getting theses Low APR Balance Transfer promotions at 0 % ( especially with my own Bank of America ). The fine print reads they will charge a 4 % transaction fee for balance transfers. To me the 4 % should be included in the APR. Here 's a copy of what I saw : Low APR Balance Transfer 0.00 % promotional APR until XX/XX/XXXXon balance transfers completed byXX/XX/XXXXAfter that, 10.49 % a variable APR based on the U.S. Prime Rate The transaction fee for balance transfers is 4 % ( Min. {$10.00} )

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 2018-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I had a lease with XXXX XXXX XXXX michigan that endedXX/XX/XXXX. I paid my rent as agreed in the lease for the entire 12 months. In XXXX i subitted my written notice to vacate with my rental payment. The check was cashed. When i turned the keys into the office on or about XX/XX/XXXX they asked me to fill out a form and i did so. I think the company is using that form and ignoring my written letter from 60 days prior to say i violated the notice clause in the lease. I never received my XXXX security deposit and i did not get a list of damages from the apartment complex within 30 days, but i did give them an address within 4 days of vacating as set by law. I called once to inquire about the security deposit but no one ever called me back. On XXXX or about 90 days after i vacated and lease expired i received a notice from XXXX and XXXX stating I owe {$1500.00} to them for the apartment. I called the apartment complex first and they gave me this collection co number to answer any questions. I called and asked how they came up with {$1500.00} in charged and they stated I didnt give 60 days notice to vacate and they said there was damage to the apartment. The collection company said the debt will be eligible for a judgement on XXXX XXXX th, which I took to mean I was Being sued but they couldnt/wouldnt tell me where. I believe the threat of legal action is not appropriate because the apartment has not followed the law on how they handled my security deposit and in Michigan a landlord has 45 days to start a law suit which they failed to do and typically this means after that deadline it is not a legitimate debt. The collection compsny demanded {$1500.00} and i sent a certified letter disputing the debt and asking how they calculated the fees. They responded onXXXX with a statement showing a {$1200.00} nonsufficient notice fee that is not listed in the lease. This statement was dated XX/XX/XXXX but it was never received by me and when i called the leasing co to ask about the security drpisit no one ever called me back and when i called after getting the first letter they referred me to the collection company who demanded the money and told me they would seek legal action on XXXX XXXX th- whic is a weekend. I felt threatened that if I didnt pay this would create legal problems for me and destroy my credit. Because they wouldnt tell me how I could defend myself against a lawsuit from them I felt like i had no option but to cooperate with them and give them information they were seeking.

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 2018-01-23 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested a free annual credit report, XXXX XXXX XXXX, after filling out all information XXXX and equifax indicated it was unable to provide. I must send additional information via the mail and wait 15 days for proessing and further days to mail and recieve. Only XXXX was available online. I believe service by the other 2 reporting agencies is a delay tactic and they no longer provide your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested a free annual credit report, XXXX XXXX XXXX, after filling out all information XXXX and XXXX indicated it was unable to provide. I must send additional information via the mail and wait 15 days for proessing and further days to mail and recieve. Only XXXX was available online. I believe service by the other 2 reporting agencies is a delay tactic and they no longer provide your credit score.

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 2018-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received notification that between XX/XX/XXXX- XX/XX/XXXX your automotive account with XXXX XXXX XXXX  was removed from your credit report. But upon viewing a recent copy of my credit report with Transunion it is now stating that disputed information updated. By law I was supposed to receive anything related to a vehicle repossession and or sale of said vehicle and have n't when it was repossessed in XX/XX/XXXX. I 've called XXXX  who only gave me information to collection agency. Contacted collection agency regarding this matter over 45 days ago now and no response. This is also showing as {$0.00} balance, so if I 'm no longer liable for money due why is this not been removed from my credit profile?

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 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
On XXXX//XXXX/2018 my daughter informed me that {$3000.00} was being held from her bank account because of a court order. After calling her bank we were informed that XXXX XXXX on had a court order to collect funds from a judgement but instead of going after me ( My money is exempt from collection because it 's a pension ) they went after my daughters account which was money from her XXXX student loans and financial aid. My daughter is XXXX. They account was opened when she was XXXX. 

I never received a copy of a complaint, nor any judgement paper work. I had no i idea about this. I was never served with a summons

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I initiated an ACH transfer for {$10000.00} to Coinbase on  XX/XX/XXXX. It cleared my bank account on XX/XX/XXXX. Coinbase notified me that they received it on XXXX. 

On XXXX ( after trying/failing for several days due to Coinbase website issues ), I completed my identity verification. My driver 's license is issued by Minnesota, but I reside in Illinois. After my verification succeeded, Coinbase notified me that due to restrictions with residents of the state of Minnesota, my USD wallet was disabled. 

I immediately submitted a support ticket through their website letting them know that I resided in Illinois and not Minnesota. Once I received notification that they received my transfer on XXXX, I could not see the {$10000.00} on their website, and it has never shown up there ( since the USD wallet is n't visible at all ). 

At this point ( on XXXX ), I called their support phone number. They provided me another link to be able to submit my lease to verify my place of residence was Illinois. I uploaded my lease immediately and responded to the email as requested. XXXX I received a response ( the only email response I 've ever received from them that was n't initiated by a phone call from me ) that indicated they received my documentation and would submit it to a specialist. 

I have called ( and waited on hold a minimum of 1.5 hours each time ) at least six times to talk to support people. On the last call on XX/XX/XXXX, the support person indicated that I was still in the queue for a specialist, and if they even opened/viewed my ticket ( or if I responded to the email ) I would be dropped to the end of the queue! After explaining my issue again, they indicated that they thought my problems could be a technical issue. To avoid dropping me to the end of the 'specialist ' queue, they opened up another ticket in the separate 'technical ' queue. I have heard nothing further from either of these support tickets. 

Since I am now in both queues that I know of, I 'm not able to talk to anyone that addresses either of these queues ( I 've asked multiple times ), and I 'm not able to receive any other updates ( since the support people ca n't open my tickets and I ca n't respond to the emails for fear of dropping to the end of a long queue ), I 'm basically left without access to my money or seemingly any other recourse short of legal action. I decided to try this site before going that much more painful/expensive route.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
I sent a debt validation letter to the XXXX XXXX. What they sent was not sufficient validation that I owe them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received notification that between XX/XX/XXXX- XX/XX/XXXX your automotive account with XXXX XXXX XXXX was removed from your credit report. But upon viewing a recent copy of my credit report with XXXX it is now stating that disputed information updated. By law I was supposed to receive anything related to a vehicle repossession and or sale of said vehicle and have n't when it was repossessed in XX/XX/XXXX. I 've called XXXX who only gave me information to collection agency. Contacted collection agency regarding this matter over 45 days ago now and no response. This is also showing as {$0.00} balance, so if I 'm no longer liable for money due why is this not been removed from my credit profile?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: GA

Complaint narrative:
I received notification that betweenXX/XX/XXXX- XX/XX/XXXX your automotive account with XXXX XXXX XXXX was removed from your credit report. But upon viewing a recent copy of my credit report with XXXX it is now stating that disputed information updated. By law I was supposed to receive anything related to a vehicle repossession and or sale of said vehicle and have n't when it was repossessed in XX/XX/XXXX. I 've called XXXX who only gave me information to collection agency. Contacted collection agency regarding this matter over 45 days ago now and no response. This is also showing as {$0.00} balance, so if I 'm no longer liable for money due why is this not been removed from my credit profile?

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 2018-01-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE 4. XXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**

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 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for an apartment yesterday and was declined, because XXXX XXXX had incorrect information about my rental history. ( They received this inaccurate information from XXXX. ) The information stated that I had an outstanding balance with XXXX with whom I had a lease in XXXX. I called XXXX today ( XX/XX/XXXX ) and confirmed that there was no outstanding balance.

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 2018-01-23 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: LA

Complaint narrative:
OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE XXXX. XXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**

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 2018-01-23 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: LA

Complaint narrative:
OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE 4.  XXXXXXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I 've had no knowledge of this negative item as it appeared on my credit report, and from researching the company online, I do n't know from which source it came from. 
The name of the negative item is PORTFOLIO RECOVERY ASSOCIATES and it was opened on my account XXXX/XXXX/2017. 
It 's not mine, please help in removing it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: TX

Complaint narrative:
In XXXX 2017, we noted fraudulent charges on my Bank of America business account, via our debit card. Since we were away on vacation, we were not able to immediately report the charges but did so within 30 days. The charges we done on XX/XX/2017 and XX/XX/2017. These charges were made at XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. The charges were of {$600.00}, {$560.00}, {$1000.00}, {$600.00}, {$250.00}, {$350.00}, {$7.00}, {$46.00}, {$700.00}, {$800.00}, and {$1700.00}. We contacted Bank of America about the fraud and we were told they opened a case. However, it took us calling 3 different calls for them to finally open a case. They denied the claim for various reasons. Finally, we were asked to prove that we were not in the XXXX, TX area when the charges were made and thus were fraudulent. We sent Bank of America all proof showing that we could not physically have made these purchases by showing the hotel room itineraries, flights, and more. Bank of America did not do their due diligence to get down to who committed the charges and just told me the case was closed and they will not do anything else. None of the stores were contacted or asked for proof.

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 2018-01-23 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: CA

Complaint narrative:
I sent Wells Fargo Dealer Services a dispute letter regarding a incorrect delinquent/late payment. WFDS failed to look into this matter, and did not attempt to correct their incorrect delinquent/late payment information. I reached out to the Wells Fargo Credit Bureau Dispute Resolution Department ( CBDRU ) in regards to this matter, but they failed to make the correction. I expected results and immediately corrections, but they have failed to correct their mistake.

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 2018-01-23 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: TX

Complaint narrative:
I send a wire transfer to coinbase on XX/XX/2017 purchase cryptocurrency in the amount of {$20000.00} dollars and they responded with this email. 

You recently sent a wire to fund your Coinbase or XXXX account for {$20000.00} USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing. 

To prevent wire returns in the future, please ensure wire deposits are sent from a bank account that matches the legal name of your Coinbase or GDAX account. For more information, visit the Bank Wire Deposit section of our payment support page. 

If have n't received your funds after 7 business days, please But now it has been well over a month and Coinbase has not done the reversal bank wire and every time I emailed then about the money they reply with a generic response that they are backed up and soon they will send all bank wire, but I need help recovering this money PLEASE HELP ME IM LOOSING HOPE AND THIS HAS COUSED A HARDSHIP ON MY FAMILY THEIR IS NO ONE TO SPEAK WITH AT COINBASE THE COMPANY HIDES BEHIND EMAILS AND WONT RESPOND.

Company response to consumer: Closed with explanation