vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I used my Barclaycard Arrival Plus to book a trip for my family in early XXXX. Unfortunately due to the hurricanes in the XXXX this fall my trip had to be cancelled. The travel company was very gracious and issued a full credit for my trip that they placed on my Barclaycard. I quickly began planning another trip since we had already taken the time off work. When all was said and done I had a credit on my Barclaycard account of {$1000.00}. I called on XX/XX/XXXX and asked that they send me out a check for the credit. I was planning on using that money on our vacation and was told by the representative that I should receive the check in 7-10 business days. On XXXX XXXX I received an offer from Barclaycard to do a balance transfer from another creditor and receive a 0 % interest rate for 18 months. I decided to take advantage and proceeded with the balance transfer. A couple of days later I still had not received my check for {$1000.00}. I called and spoke to a representative who transferred me to a manager.  She let me know that she would open a case, get the check stopped and reissued. Between speaking with her I spoke to 3 other managers within a three week period of time that all assured me that my check would be processed and sent after a case was opened and resolved. Today on XX/XX/XXXX I spoke to yet another manager who informed me that this was not the case and that the credit from the lost check was placed onto my account. I requested a formal complaint be filed and will also be filing with the better business bureau. I was also informed that I was told incorrectly that the check would be sent out the day I requested and was misinformed on three separate occasions that I would receive the funds I had requested. Consumers should know that if you have a credit on your account with Barclaycard and ask for it to be refunded to you, they take 7-10 days to process that request and another 7-10 days to mail you a check.

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 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
XXXX - I placed a Security Freeze on my account. I received both online and emailed confirmation that my pin would be mailed within 3 business days. 

XXXX - I had not received my pin. I called and was told that the pin had been mailed that day. 

XXXX - I still had not received my pin. I called and was told that they were behind due to the XXXX breach, and that I would receive my pin in 5-7 business days. 

XXXX - I called and was told that the pin had been mailed on XXXX, and that I would have to send a written request, with all my personal info, before they would mail my pin. They also told me that I had n't called on XXXX! I asked that they offer another way for me to receive my pin, as I no longer trust their " It 's in the mail ''. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P.S.C., Inc
State: CA

Complaint narrative:
A company called Puget Sound Collections is reporting that I owe them a debt of {$1200.00} and keeps illegally increasing the debt owed on my report every month. The account number being reported to my credit is # XXXX. I have never had any dealings with this company and do not know why they want me to pay them this money. There is no reason for this debt to be on my credit report. I received no written notification that they were placing this debt in collections and I only discovered it was on my credit in recent months. I will also need to understand why they are increasing the balance owed on my credit every month. My XXXX XXXX credit report shows a balance of {$1100.00} and my new XXXX XXXX credit report shows a higher balance of {$1200.00}. Under the FDCA 808 which  governs unfair practices, a debt collector is not allowed to add their own fees or expenses to any amount being collected on. It appears this is what this company is doing in trying to collect this debt and this is completely unacceptable and unethical. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. They appear to be based in XXXX Washington and I have never lived in Washington in my life. I will not give my money to a company that I do not recognize and who will not tell me why they want me to pay them.

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 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I mailed a letter to Bank of America on XX/XX/XXXX instructing them to close this credit card account. I no longer use this credit card account, and do not leave any unused accounts open, for fear of fraud and misappropriation. Bank of America responded two weeks later, in a letter dated XX/XX/XXXX, that I have to call the Bank to effectuate this account closure. My letter and Bank of America 's response are attached. I always conduct my business in writing so that I have a precise record of communications. I do not have time to listen to recordings, navigate a phone tree, wait on hold, or hear reasons the Bank believes I should keep this account open or exchange it for a different credit card. Bank of America should have closed my account effective XX/XX/XXXX pursuant to my unequivocal written, signed, and mailed instructions, but seems intent on keeping my account open against my wishes. Please compel Bank of America to close my account effective XX/XX/XXXX, and to send me a letter confirming it was closed as of that date. The Bank 's deliberate delay is unacceptable. Thank you for your help.

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 2017-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I sent XXXX XXXX XXXX letter to cease and desist calling me. I let them know that I am criticaly ill and living on XXXX XXXX  XXXX and was no longer able to pay on the account and that I was destitute. Also that I was judgment proof and I asked them to stop calling me. That letter was sent certified on XX/XX/XXXX and I got a statement on XX/XX/XXXX and they called me on XX/XX/XXXX at XXXX. And I still ca n't pay them. I have XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and got to have XXXX to get a XXXX taken out. I havery no money to pay nobody.

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 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I contacted USSA credit card customer service on XXXX XXXX, 2017 about a filing a dispute on my card. The person i spoke with told me that he would file the dispute and asked me several questions about the complaint. I answered all his question and asked if i needed to submit anything since i had several merchant write letters where the previous merchant did not do the work correctly when they installed my floors. He said he did not need anything but if he did he would send me a letter. He even issued me a finance charge credit to my account the very next day. When i called to ask what that was they stated it was due to the recent dispute i filed. To this day i have not receive any letter about a dispute. After a few weeks i called and the rep told me she did see the rep and i asked how long would they give the merchant to respond. She stated they give them 45 days and we are about 3 weeks into that process. I called again when we were about a few days until day 45 and again the person I spoke with told me that they saw the dispute and that in a few days i should have a credit because they could see my dispute and that the merchant had not replied to my dispute. i was feeling good as I had hired the next company to fix the floor. i was really hoping when i got the credit that I would be able to pay the new merchant. After giving them over the 45 days i decided to call since i had not heard anything. I got a customer service rep and they ended transferring me to their dispute are. The worst part is that the dispute rep said no dispute was ever filed and that i had to start all over again. I was very upset and i feel that REG Z, a federal law, was violated since they stated to me a dispute was filed and they they gave the merchant enough time. I have waited 45 days, 60 days and now the merchant tells me i have to wait 120 days and i feel that is not right nor fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: FL

Complaint narrative:
I sent Portfolio Recovery Associates ( which is a debt collection agency ) a dispute letter, I than received a letter from them on XX/XX/XXXX telling me that I have to pay them {$170.00} because they are saying that I have a contract with them in which I do not. They are claiming that I have a contract with them, in which I do not. They are trying to collect a debt from me in the amount of {$170.00}, On XX/XX/XXXX they have reported to the Credit Reporting Agencies, that I have opened a new account with them which is  clearly not mine. Portfolio Recovery Associates has also placed this false info on my credit reports that reports my credit, XXXX, XXXX and XXXX. I am a victim of identity theft and my info was compromised by an unknown person and my info was used without my authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I submitted an transaction on Coinbase to transfer XXXX litecoin from my coinbase account to my hardware wallet address on XXXX XXXX. It 's now 6 days later and the transaction is still pending and the transaction hash is not on the blockchain. I 've made multiple attempts to contact coinbase support to get this fixed and they 've been unresponsive no matter the avenue I try to contact them through ( coinbase support email, XXXX support email, XXXX, XXXX etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: VA

Complaint narrative:
I applied and was approved for a XXXX line of credit. This is my second time financing with company. Agreed to biweekly payment of XXXX?? Was taken out of my account fine. They then submitted a second payment for XXXX which they claim is part of their monthly service fee of XXXX. This was not properly explained to me I did not have this on my first loan with them. They have hidden in their fine print they charge a XXXXmonthly fee in addition to their biweekly payments. This is fraud and should have been out into loan docs properlybstating what payments will be

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX send a letter to old address about possibly taking legal actions XXXX Spoke with them on the phone asking the to please stop sending anything to that address and also to stop calling. They couldnt provide proof. They then threatened that it would turn into them suing me. 

XXXX started calling relitives and telling them i put their number down as my contact info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have inquiries that dont belong to me

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 2017-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AutoMoney, Inc.
State: SC

Complaint narrative:
XXXX and XXXX have both contacted four separate family members concerning my debt after being told in writing and in person they are not to contact these individuals. XXXX left voicemails with two separate individuals stating she was calling to obtain a reference for me and when they returned the calls she them tells both individuals she is trying to locate me. I called Auto Money on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and left messages and received no follow up calls again stating that they are not to contact these individuals. When I finally spoke with XXXX her response was " my bad the computer has n't been updated. '' I personally updated all information with them in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX deposit was made on my account, which was returned due to NSF. Immediately after, replacement check was mailed out, which cleared to the account. 
After the check was returned, restrictions were placed on my account and I was asked to contact Capital One 360, which I did number of times. I have left voice mails, as well as, sent a letters and email, though no correspondence/call was received by Capital One. 
During this time period, I received a letter by Capital One advising that I might be a victim of ID Theft, which I sent correspondence stating that I was and sent in all supporting documents. After long argument with customer service, I was able to get hold of the correct department, where I was asked what I would like to do with account and my correspondence was that I would like to continue having account with Capital One and take care of the restrictions on the account, which at that point there should have not been any issues with the account. Representative responded that they have already made their decision to discontinue the relationship. I requested to have the remaining balance in the account to be sent to me, when representative advised me that I will need to contact the third party and dispute the transaction on their end, which I do not believe is the right procedure when the bank closes someones account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I went into the store on Friday, XX/XX/XXXX and informed the manager that I would not be able to make the proper payments for my loans and needed to set up a payment. She said that the store does not allow payment plans unless in default of your loan. I asked how long that takes and she said I would have to wait no less than 30 days after the day of my first missed payment in order be considered in default status of my loan. She said she turned off automatic payments for my loans and to call customer service to follow up with setting up payments. On Saturday, XX/XX/XXXX I spoke with Customer Service and confirmed that automatic payments were no longer being authorized, which was on a recorded line. I told them that I come into the store to make a partial payment of {$25.00}. They told me that collection calls will continue. They attempt money from one of my bank accounts without my consent, which is clearly an FDCPA violation and breaking anti-trust laws. If they continue to break the law and violate such regulations I will be forced to take this to proper authorities and file sanctions against this company. It is always breaking the law when charging a persons account without their consent. If they want this debt to eventually be settled, then will stop attempting to charge my account without my consent. I still have yet to speak with any district level management or regional management to settle this dispute in very diplomatic way, but to no avail. I do not wish or have any intentions to taint or tarnish this companies name in any way, shape, or form. However, I am only trying to set up a form of payment schedule to pay my debt off as fast as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
On the morning of XXXX/XXXX/2017 Credit Collection Service called my XXXX XXXX XXXX daughters phone and demanded information about her phone number. She was confused and scared about what they were asking. When she would n't answer the man to his satisfaction he told her " you know we can find you just tell me what your phone number is ''. She told him her number and he said if she did n't follow his instructions he would disconnect her phone number. She started crying and told him she needed to talk to her Mom ( me ) and he hung up on her. The number he called from was XXXX. I called that number and a man named XXXX answered, confirmed the name of the company and I removed her number from their database and told them to never contact a minor again. This is a new phone number. We have no affiliation to any accounts with this company, nor was this company calling about anyone we know.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
There is a collection account listed on my personal credit file that is NOT mine. Showing XXXX XXXX XXXX for {$470.00} again this does not belong to me. I want this removed and some help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
Hello, Yes, I took out a loan with HSBC back in 2005, which I have not paid back in full, but have since found that fraud occurred with HSBC charging me a higher interest rate than was allowed, due to the rigging and of Libor interest rate. 

The loan was through XXXX XXXX in XXXX, Ohio. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
I have been trying to get a loan modification, and have been denied, my last day to appeal the latest denied loan modification was XX/XX/XXXX. My home has a sale date of XX/XX/XXXX. 
I just got the CFPB 45 Day Solicitation Letters uploaded to my account on XX/XX/XXXX!? I called the mortgage company that was formerly Nationstar, now MR. Cooper, and asked them why am I receiving them 8 days before my home is sold? The loss mitigation department said that is fine to do..I told them it looks like I should have gotten that 45 days ago. If I had received the letter from them I may have been able to do a deed in lieu or other arrangement that they talk about on the letter, in order to save my credit moving forward. Now it feels too late to do anything, and they are forcing me into having a foreclosure or bankruptcy on my credit..which is horrible since I run a small business that I have to personally guarantee finically. This will make everything more expensive for me, for a long time. I want to stop the sale and avoid foreclosure ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Barclay 's closed my and my wife 's ( XXXX XXXX XXXX and XXXX XXXX XXXX ) credit cards at the end of XX/XX/XXXX with no notification or justification for the closure. I attempted to use my card and it was declined, which is how I learned of the card closure. We received letters in the mail 2 weeks later that provided a vague reason of we can close accounts at any time we see fit. I had XXXX reward points in my account and my wife had XXXX in reward points at the time of the closure. I asked for those points to be redeemed to our accounts at a value of XXXX cent per point ( {$960.00} and {$160.00} ), which is how we always redeemed our rewards via travel redemptions. Barclays refused to redeem the rewards and said they the points had been lost ( and confiscated ). I do not believe this is how this should have been handled and I request that Barclays honors the rewards points I had in my and my wife 's account and reimburse us for those confiscated points.

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