vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-02 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Okay, I have a credit card through XXXX XXXX. Had it over a year and all was fine until now. We are doing work to the house and I use this credit card. I pay it off as soon as the charges appear on my statement. I went to use it and it was declined. I checked my account online and it showed my entire credit line was available. I called to find out why it was declined. They told me the payments were still being processed. My bank statement shows they were paid, the credit card statement shows they received the money. I have called 5 times and talked to 9 different people. I have written four letters. I got a letter back stating all my credit is available and there is no restriction on the account. The phone calls the representatives told me, yes they have the money, yes it is posted to my account but the system is still processing the payments. None of them can explain how the payments are posted to my account but still in process. So now I have money taken from the bank account that is not available to me and a credit card that I can not use through no fault of my own and they are telling me it takes about 21 days to process the payments. If they post to my account to acknowledge they received it how can it still be processing?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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:
2 years ago, I had two checks cashed with my checkings account card where my pin was used. When I found out I had lost my card that same day, I immediately called Bank of America to report lost card. However, I saw to checks cashed in my account the next day. When I claimed this as fraud, Bank of America denied my request due to the fact my pin was used inside a branch. However, I was in school all day, I have never been to the branch. I called and begged for them to CHECK THEIR CAMERAS, however no further action was taken. I was only XXXX XXXX XXXX and did not know I was suppose to file a police report with the incident. They started to take money from my checkin account to make up for the thousands of dollars that were cashed by another person. Till this day, they stall me on the phone and I can not get any help from anyone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Good day, My situation stands as such. I invest heavily in cryptocurrencies through an exchange called XXXX, owned by a U.S. based company called Coinbase, located in XXXX XXXX California. In early XX/XX/XXXX, Coinbase froze my investment account with all of my funds still in it. They did not offer a reason nor contact me in any way regarding this issue. When I attempted to log into my account I was told to contact Coinbase customer support. I immediately did so and was told that my account was frozen " pending review from a specialist ''. 

It has now been over 30 days since my account has been locked. I am unable to trade, I have no way of knowing if my funds are, in fact, still in my account and despite having called and emailed Coinbase on several occasion I have been given no time frame and still no reason why my account was frozen to begin with. Their answers have been incredibly generic and always basically repeats the same message, that a specialist is reviewing my account and I will be contacted when they have completed their review. 

My goal in filing this complaint is twofold. First, I'm looking to have Coinbase give me back my account ( which I will promptly close, transferring my funds to a safer exchange ), and second I would like to know if what they did was legal. Is it legal for a trading platform to hold a person 's capital for over 30 days without giving any clear reason as to why? 

thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I've tried to save my home I'm afraid since Chase denied me I may become homeless I need assistance working with Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: NJ

Complaint narrative:
Today XX/XX/2018 I am disputing again the XXXX Account that is not accurately reported in my credit file. To all credit bureaus, I called XXXX directly and spoke to Miss XXXX XXXX, She states that NO credit bureaus have called to verify my account. The XXXX account was paid in full and not late. Credit Bureaus ARE NOT checking or Verifying any information. Per Law, they are supposed to. This negative information is hurting me obtaining a home and credit. There has been many mistakes on my file. I will continue to report and argue my case until someone listens.

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 2018-03-02 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: MI

Complaint narrative:
I have received a response from XXXX an account on my credit report. Ill attach the documents that they sent me ; I asked for proof on a original signed contract with my signature. The letter XXXX sent me was stating I called and opened up an account give me verification that I did that. My information was stolen and multiple accounts were open without my knowledge, this is hurting my credit. It was no information about how they did their investigation. According to Section 609 of the FCRA you have to provide the proper documentation. Show me verification, show my signature on a contract or let me her my voice saying yes this is XXXX no Ill keep fighting to exercise my rights until something is done. Ill keep fighting for all consumers all over the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX and XXXX issued me a credit card from Synchrony Bank I have never once used this credit card however they are reporting a balance of {$820.00}. 

Incorrect information and I want it removed from my credit account they are reporting bad things on my credit report

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 2018-03-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX and XXXX issued me a credit card from XXXX XXXX  I have never once used this credit card however they are reporting a balance of {$820.00}. 

Incorrect information and I want it removed from my credit account they are reporting bad things on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX GAVE OUT MY PERSONAL INFORMATION IN THE BREACH THEY HAD. 


MY CREDIT FILE WAS COMPROMISED AND GIVEN OUT IN YOUR BREACH. 

I GOT AN EMAIL TELLING ME ABOUT IT AND TELLING ME TO SIGN UP FOR FREE CREDIT MONITORING. 

I SIGNED UP OVER A MONTH AGO. 

WHEN I WENT TO CHECK MY INFORMATION SEVERAL DAYS AGO I WAS LOCKED OUT AND TOLD TO RESET MY PASSWORD. 
I WAS THEN TOLD TO WAIT 24 TO 48 HOURS TO ACCESS THE SITE. 

WHEN I TRY TO ACCESS SITE PUT IN ID. XXXX XXXX XXXX and put in password XXXX i AM TOLD THE CREDENTIALS YOU SUPPLIED ARE NOT VALID. 

I HAVE CALLED XXXX AND TALKED TO 3 DIFFERENT CUSTOMER SERVICE AGENTS AND 2 SUPERVISORS. NO ONE CAN CORRECT THE PROBLEM. I WAS TOLD THE RESOLUTION TEAM WOULD GET BACK TO ME TO RESOLVE THE PROBLEM. NO ONE HAD EVER GOTTEN BACK WITH ME. 

I BELIEVE YOU ARE DOING THIS ON PURPOSE SO YOU DONT HAVE TO GIVE ME THE FREE CREDIT MONITORING. I WILL REPORT YOU TO Consumer Financial Protection Bureau ( CFPB ) AS YOU ARE NOT FOLLOWING THE AGREEMENT YOU MADE WITH THEM. 

XXXX XXXX XXXX JUST A THOUGHT FOR YOUR IT DEPT. ERASE MY ACCOUNT ID AND PASSWORD AND LET ME PUT IN A NEW ONE. IT SEEMS PRETTY EASY YOU DONT HAVE TO BE AN IT GURU TO FIX THIS PROBLEM IF YOU WANT TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
3 Fraudlent charges on my TD Bank Debit Card ( please see attached images ) totalling {$490.00}. The charges were to XXXX XXXX XXXX and XXXX XXXX XXXX. 

XX/XX/18 - XXXX XXXX XXXX {$400.00} Another charge to XXXX XXXX XXXX {$8.00} XX/XX/18 - XXXX {$81.00} I told my bank and they can not guarantee I will be refunded my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have two direct deposits from my employer to my checking account with Citibank that are not in my account. I have worked with my employer, XXXX XXXX XXXX, to find out what happened. They have given me trace numbers for these deposits and stated that the money is in Citibank. Citibank refuses to help me trace the funds. Now they are charging me overdraft and returned check fees in the amount of {$120.00} and have the nerve to have their collections department call me. 

The first missing deposit was made on XX/XX/XXXX in the amount of {$180.00}. The trace number given to me from my employer 's bank, XXXX XXXX XXXX, is XXXX. The second deposit was made on XX/XX/XXXX in the amount of {$380.00}. The trace number from XXXX for that deposit is XXXX. 

Citibank has told both my employer and myself that the deposits may have been put into another account. Yet they refuse to trace it and make it right. I have asked to speak with the ACH department but no one can connect me. 

I am beyond frustrated at this point. I have a cut off notice for my light and my auto insurance has lapse. I don't have a lot of money so I need for them to find my money and credit back my account the overdraft fees.

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 2018-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: CA

Complaint narrative:
My partner got a phone call on XX/XX/XXXX at XXXX XXXX ( 4 min ) from someone pretending to work for a collection Agency ( XXXX ) saying she owes {$650.00} from XXXX XXXX XXXX. She told them to send information to her address. She got another phone call on XX/XX/XXXX at XXXX XXXX ( 2 min ) from XXXX ( XXXX ). The agent told her she owes {$150.00} emergency room medical bill due to her visit to XXXX XXXX XXXX XXXX two weeks ago. She told her it's not true and they have to send the bill to her address, she asked if they have the correct address but the agent hung up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: NJ

Complaint narrative:
Today XX/XX/2018 I am disputing again the XXXX Account that is not accurately reported in my credit file. To all credit bureaus, I called XXXX directly and spoke to Miss XXXX XXXX, She states that NO credit bureaus have called to verify my account. The XXXX account was paid in full and not late. Credit Bureaus ARE NOT checking or Verifying any information. Per Law, they are supposed to. This negative information is hurting me obtaining a home and credit. There has been many mistakes on my file. I will continue to report and argue my case until someone listens.

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 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
THe property was foreclosed in XX/XX/XXXX by XXXX acting on behalf of XXXX XXXX XXXX.  XXXX issued debt cancellation and a XXXX which was pocessed on my XXXX federal tax return. 

Shellpoint Mortgage Servicing started " servicing '' this mortgage in XX/XX/XXXX and sent me several notices. I send them notification that there was no outstanding debt. They sent me documents during XXXX that were in error and admitted in a phone call in XXXX that I was not responsible for the debt. Subseqnently, in XXXX they sent a " corrected '' XXXX showing cancellation of debt in XXXX. This has been filed with IRS even though it is in error. I can not file my XXXX federal taxes until this is resolved. Shellpoint is NOT thoroughly investigating my claim that the debt was cancelled in XXXX. 

I have contacted Shellpoint Mortgage Servicing by phone and by mail. On XX/XX/XXXX I received an email with two letters stating they are not in error. These letters are in error. 

On XX/XX/XXXX, I spoke with XXXX who confirmed the cancellation of debt in XX/XX/XXXX. 
They are sending me a copy of letter that explains this. 

Somehow in XX/XX/XXXX a list of accounts was transferred from XXXX to Shellpoint and apparently my account was on the list in error.l Shellpoint reference number : XXXX XXXX reference number : XXXX Shellpoint Mortgaging has copies of all the relevant documention showing the XXXX foreclosure and XXXX. Attached is a complete history of the property mortgage activity.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: Avant Credit Corporation
State: MI

Complaint narrative:
I have received a response from Avant an account on my credit report. Ill attach the documents that they sent me ; I asked for proof on a original signed contract with my signature. The letter Avant sent me was stating I called and opened up an account give me verification that I did that. My information was stolen and multiple accounts were open without my knowledge, this is hurting my credit. It was no information about how they did their investigation. According to Section 609 of the FCRA you have to provide the proper documentation. Show me verification, show my signature on a contract or let me her my voice saying yes this is XXXX no Ill keep fighting to exercise my rights until something is done. Ill keep fighting for all consumers all over the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I used Xoom a XXXX company which promises to pay money in overseas locations within minutes when u send money overseas to family and friends, I was charged fee, my family needed money to pay bills it was emergency but Xoom participated banks overseas refused to pay when recipient went to collect money, it's been more than 72 hours now and Xoom not just has failed to pay out the recipient but the banks Have refused to recognize and pay the recipient even with all the document and transaction details provided. 
I emailed Xoom several times and spend hours calling Xoom over and over again spoke to several people on including supervisors but they have failed to solve this transaction, it has cost me and family not just embarrassment, time and money it also has cost us fines for not making payment on time overseas. 
I haven't received any refunds or my family could collect funds which I have paid Xoom with fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: AL

Complaint narrative:
I received a letter in the mail from GC Services Limited Partnership stating that I owe {$210.00} for student and loans so I called because I had an offset on my tax return for a smaller amount. When I called she said they had not received any money for this account and that my payment was still {$210.00}. I got another letter in the mail from the department of treasury saying that the amount of the offset WAS applied to my student loan account. I feel like they are trying to collect money that I do not owe or they are trying to collect more than I owe. She offered to let me pay {$170.00} today to out my account in good standing. I would like something to be done so that someone else doesn't have the same thing happen to them and not loose money that they don't owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX continues to report incorrect to all three credit bureaus. I The loan in questions has been paid off for over a year. They continue to refuse to resolve this issue which has resulted in me being unable to refinance my home.

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 2018-03-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I paid off my Bank of America credit Card on XX/XX/XXXX And had a {$0.00} balance. On Monday XX/XX/XXXX I had a XXXX balance before I used my card and purchased {$390.00} total. On Tuesday XX/XX/XXXX I paid {$400.00} onto my card. on XX/XX/XXXX I was told I owe {$22.00}. I was told I was being charged interest. But my card was paid in full. I tried to speak to customer service but the wouldnt wave the 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 2018-03-02 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
In XX/XX/XXXX we were having difficulty making the minimum payments on some bills due to medical bills and health issues. I spoke with Citizens Bank ( based out of Rhode Island ) numerous times during this period asking for assistance in reducing our min amount required or extending our  due date. They refused to assist due to the fact that we were not past due or in collections. I told them I could pay the amount owed on a specific date in XX/XX/XXXX and asked if that would keep us in good standing and prevent us from being reported to collections. The representative said yes it would keep us in good standing. I made the payment on the date instructed, the payment posted, and we were still reported. It has taken over a year for me to dispute this with all three credit bureaus, and then send my letter to Citizens asking them to remove the error. This is a bank error. I was given a date to pay my bill to remain in good standing and I paid it. I spoke with numerous channels after the delinquency hit my credit report and they said they investigated but no one would tell me if they found the actual phone call I was referring to. In XX/XX/XXXXI was advised by the credit card customer service area that if I dispute with the bureaus, and then write a letter to a specific address at Citizens, it will be removed. I even had the representative clarify ... will it be researched or removed? He said it will be removed. So I spent months disputing the information and finally mailing a letter to Citizens and they still will not remove because they can not locate proof of my conversation. They also confirmed that not all calls are tracked accurately as they should be according to their policy for logging customer calls, so they have no way of determining who I spoke with to research. However no one can tell me the outcome of the calls they were able researched until yesterday. I was not given specific information, but I was informed that even if I was told an incorrect date it would not matter. This affirms my belief that they are aware I was misinformed they just refuse to do anything about it. I must reiterate again that even after the fact, I was told by a rep that all I had to do was write a dispute letter and they would remove the information. I do not understand how it is legal to tell someone you can pay by this date and we will not report you, and then still report you. And then tell me to write a letter and it will be removed, and then not remove it. This lowered my score over 100 points and caused undue financial hardship on me. I believe they are choosing to treat me unfairly and are violating the Fair Credit Reporting act and UDAAP.

Company response to consumer: Closed with explanation