vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
On XX/XX/2018 XXXX XXXX dollars was with out my authorization charged to my debit card. Furthermore, XXXX dollars that I already had in my coinbase was also taken from me. 

Everyday since then I have reached out to coinbase through email, phone, and XXXX. They have done nothing to alleviate the situation or even given me acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: VA

Complaint narrative:
I submitted several income driven applications to great lakes borrowing services which supposedly took " several months '' to process. Within this time period I was informed that there where no payments due as I was still in deferment. After submitting the first application on XX/XX/XXXX I patiently waited for the application to be processed, which thru many phone calls I finally determined months later after receiving not a single item of mail, that they had " no record '' of me even filing a application! So of course I then filled out and mailed yet another application from their website on XX/XX/XXXX. I followed up with many phone calls to find out a status, the whole time again being told my app was " under review ''. Now finally about 5 months into this process I am told that my loans are now in a delinquent status and my account would closed and sold to collections if I did not pay the full amount immediately, which by the way had mysteriously gained interest while in deferment!! I made many attempts to set up some sort of payment arrangement with them to no avail. 

Next my account was sold back to the us dept of education, who from what I can tell immediately sold it to a collection agency, and now I'm just finding out that they are taking my full federal tax refund through something called a treasury offset!! This all seems rather illegal, uncalled for, backdoor, and downright authoritarian if you ask me but what do I know? My wife and I have a child on the way and we where really counting on our refund this year please let me know if there is anything you can do to help. 

Thank You, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed my Citibank credit card account in XX/XX/XXXX due to the 2 fraud transactions that resulted in {$1500.00} balance. At the time I closed the account, Id had a merchant ( XXXX ) refund my account {$710.00}, so that left the fraudulent balance on my account to {$780.00}. I was informed by the Citibank associate who helped me close my account that I would not be authorized for the this {$780.00} balance. 

Last month XX/XX/XXXX, Citibank asked me to pay for the {$1500.00} that incurred from the fraudulent activities back in XX/XX/XXXX. They told me I was responsible for these transactions before I did not promptly responded to the fraudulent affidavit form Citi bank mailed to my home, which I NEVER received. Nor did I receive any email from Citibank regarding that affidavit form. So I believe Citibank was not being truthful about that and just charged back the amount on my card for their convenience not having to go through the fraudulent claim on my behalf. 

I submitted a claim with CFPB 2 weeks ago and Citibank mailed me the affidavit form for the first time. I filed in the form and returned to them in the mail TWICE. Still, my account balance has not been changed ( {$1500.00} ). Citibank acknowledge that there was a refund of {$710.00}. Still, they had not fix the balance on my account at all.

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 2018-02-17 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: ERC
State: GA

Complaint narrative:
I have a collections account that was placed with Enhanced Resource Center ( corporation ) in XX/XX/XXXX regarding an XXXX XXXX XXXX cellular account that was placed in collections. I have been paying this company each month through auto-deduction from my checking account in a timely manner. I have never missed a payment. I contacted this agency on XX/XX/XXXX @ approximately XXXX, and spoke with a general rep before being transferred to a team lead named XXXX . I explained that my credit report is not accurate and they are reporting erroneously each month, as if I am not making payments. XXXX tried to explaine that because they are a collections agency, that they only report that the balance is paid in full or settled in full. I explained to him that they are reporting monthly that I am not making payments and that they are not following federal regulations, per the Fair Credit Reporting Act ( FCRA ). He stated that they follow all laws, but because they are a collections agency, that the only report on " sundays '' or monthly. Subsequently, he transferred me to the manager, XXXX XXXX. I explained the companie 's flaws and failure to follow federal laws while credit reporting. She essentially said the same statement that XXXX made. I told her that this is not federal law and that her company should be reporting each month that I am paying, instead of erroneously reporting that I was not paying. She disagreed with my statement. I informed XXXX XXXX that her company practices are not aligned with federal laws and they are flawed. To conclude, I arranged a post- dated payment to resolve my debt, so that I do not have to deal with this company ever again in my life. Their practices are unlawful, unfair, and misleading to consumers, and credit bureau agencies. They falsify information for their own personal game. Per the Fair Credit Reporting Act, this is illegal and unlawful. Unsophisticated consumers whom are unaware and are unacknowledged are at great risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, i received a loan from GreenSky ( via XXXX XXXX ) to do work on my home. I approved a {$7500.00} loan at 9.99 %. I currently owe XXXX on this and been paying on it since XX/XX/XXXX. However, my monthly interest even when i over pay is still coming in at above {$55.00}. My normal payments are set at {$92.00}, so almost 2/3 of it is interest right of the bat. 

The company has not explained this well and I am confused by their billing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
I continue to receive bills from a collection agency, United Collections Bureau , INC for a medical debt for my son XXXX XXXX. At the time, insurance information was submitted for the XXXX coverage my son had at the time he was a minor. This company continues to harass me on behalf of XXXX XXXX XXXX Hospital in XXXX, Ohio. The dates of service all occurred on XX/XX/2016 with a total cost of {$790.00}. My son had Ohio XXXX full coverage health coverage during the entire 12 months of XX/XX/2016. I am not sure if this company is doubling billing and committing XXXX fraud or if their claim submission for payment to the insurance company was overlooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
As of today XX/XX/18, at approximately the XXXX EAST I have been unable to make purchases, check the card balance via telephone or online and get money from an ATM machine. There is money available on my card from a payroll direct deposit and the card website states it's unavailable because of scheduled maintenance and when I contact them via phone an automatic.recordng states that " their system is updating, please call back later ''. I tried using an ATM and the receipt states to contact my financial institution. I have been unable to use my card for almost two hours and I need to access my money ASAP. The company has not provided any source of information as to what is going on because no one is answering their phones. I have no access to my cash and no understanding of why. This is a prepaid card and the money that is there is mine. There was no information sent about any scheduled maintenance that was going to happen during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
In 2016 My Husband was put in the Hospital and was not given 6 months to a year During that time I missed a lot of work being the Hospital is an 8 hour Drive, and I eventually lost my Job and my husband, I was Called a XXXX and even thou I Tried to make payments when I could they were never enough I was told to borrow money, loose my home sale my car. Do what ever I could to pay them. they came first.

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 2018-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was sent a letter XX/XX/XXXX notifying me my account would be subject to fees starting XX/XX/XXXX. I called to find out why, and was told to " ignore the letter '' I asked that I receive a written notice of what Citibank was planning to do with my account and notified them I was uncomfortable with an agent telling me to " ignore a a letter '' - especially when the letter states my account will be subject to new fees. 

I would like to receive a written notification of what my account will be subjected to in terms of fees, if the letter they sent to me is wrong. The agent I spoke with on the phone told me he can be identified by # XXXX and his name was XXXX. 

I am concerned my account will now be subjected to fees when it should not be. I have never had fees on my account and the agent was unable to explain why I would be subjected to fees now.

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 2018-02-17 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: MD

Complaint narrative:
I hired XXXX last year that I pay {$99.00} a month to remove all negative items referencing my previous CHXXXX Bankruptcy which is Officially Discharged and paid in Full on XX/XX/2017. They are having No success with the three reporting bureaus. XXXX, Transunion and XXXX is reporting negative items incorrectly and should be removed or updated. They have duplicate items. Since the 3 reporting bureaus report information about consumers to a CRA, they are subject to the FCRAs Furnisher Rule, which requires that : 1 ) information that is furnished must be accurate and complete ; and 2 ) consumer disputes about the information you provide must be investigated.

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 2018-02-17 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: MD

Complaint narrative:
I hired XXXX last year that I pay {$99.00} a month to remove all negative items referencing my previous CHXXXX Bankruptcy which is Officially Discharged and paid in Full on XX/XX/2017. They are having No success with the three reporting bureaus. XXXX, XXXX   and Experian is reporting negative items incorrectly and should be removed or updated. They have duplicate items. Since the 3 reporting bureaus report information about consumers to a CRA, they are subject to the FCRAs Furnisher Rule, which requires that : 1 ) information that is furnished must be accurate and complete ; and 2 ) consumer disputes about the information you provide must be investigated.

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 2018-02-17 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:
XX/XX/XXXX SYNCB C/O XXXX XXXX XXXX XXXX, FL XXXX. Phone number XXXX. This company has any hard Inquiry on my credit report. I never heard of the company. I called XX/XX/XXXX and spoke with XXXX. He couldn't pull up any information on the account. He tried by using my full name, social, birthday, address, phone number. He was not able to find anything in the system. I would like for this to be removed from my report please.

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 2018-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
The phone calls need to stop. 

First call : XX/XX/XXXX. I was working. Ignored. 
Second call : XX/XX/XXXX. I was working. Ignored. 
Third call : XX/XX/XXXX. I was working. At this point I was going to tell them to leave me alone. 
Fourth call : XX/XX/XXXX. I was working, but I told them to stop calling me especially during work hours. 
Fifth call : XX/XX/XXXX. At this point I told them if they called me again I was going to report them because I am on the donotcall list and I requested to be left alone. 

They called again twice today at XXXX XXXX. No response, I ignored them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XX/XX/XXXX at XXXX ; XXXX XXXX called Pentagon Federal Credit Union to pay off an outstanding charge off that continue to report 90 days late monthly to XXXX, XXXX, and XXXX. I was notified by the representative that this account can not be paid to PenFed because they no longer own the account. I asked when was the account sold and was told back in XX/XX/XXXX. My next question was should this account then be reporting a XXXX balance per FCRA 623 ( a ) 2 which requires prompt update of any reported information that is necessary to reflect its current accuracy. Therefore, PenFed is under obligation under section 623 ( a ) ( 2 ) to promptly update the current balance which will be XXXX. I was then transferred to a supervisor by the name of XXXX who confirmed that this account was sold to XXXX XXXX in XX/XX/XXXX after it was charged off. After concluding the called XXXX and spoke to XXXX to initiate a dispute regarding this PenFed account. I stated that PenFed should be reporting a XXXX balance since this account was sold to XXXX XXXX. Next, I initiated a dispute with XXXX by speaking with XXXX at XXXX XXXX. Lastly, I initiated a dispute with XXXX at XXXX XXXX with a representative name XXXX. XX/XX/XXXX, I received a credit alert from XXXX that the Pentagon Federal Bankcard was update from having a past due balance of XXXX to XXXX. The account was not updated to reflect a XXXX balance and sold or transferred to another lender it was. At XXXX XXXX I contacted Pentagon Federal Credit Union again. I chatted with XXXX and tried to pay off this delinquent debt again. I was placed on a brief hold and XXXX explained to me that PenFed can not accept payment because they no longer own the debt and this account was sold to a collection agency named XXXX. The evidence shows that PenFederal Credit Union provided an inaccurate verification of the debt to the three major credit reporting agencies.

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 2018-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
Bayview Loan Servicing is stealing mortgage payments and claiming they never received your payment. During my Trial Loan Modification I made all 3 of my payments on time. XXXX XXXX is a very dishonest person, she lied saying they didnt receive my XX/XX/XXXX payment. Today I decided to go online and look at my statement and I can clearly see where Bayview Loan Servicing received my payment on XX/XX/XXXX in the amount of {$710.00} and it was credit to my account on XX/XX/XXXX, a blind man can see the fraudulent activity going on here. XXXX XXXX sent me a letter yesterday saying my Loan Modification is  denied because I didnt make my last payment. Is XXXX really that XXXX, she doesnt see the payment? I have done everything to resolve this issue. I will be going forward with a lawsuit against these CROOKS! My Loan Modification was APPROVED and EXECUTED because I did everything I was supposed to during my Trial Modification Period! Something serious is wrong with XXXX XXXX and she needs to be terminated and locked up for trying to steal and scam people!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
In XX/XX/2016 My Husband was put in the Hospital and was not given 6 months to a year During that time I missed a lot of work being the Hospital is an 8 hour Drive, and I eventually lost my Job and my husband, I was Called a Lier and even thou I Tried to make payments when I could they were never enough I was told to borrow money, loose my home sale my car. Do what ever I could to pay them. they came first.

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 2018-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I have been on a payment arrangement with Midland Credit to resolve a {$730.00} balance. We agreed that I would pay {$180.00} until the balance is paid. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my payment of {$180.00} was made. Midland did not charge me in XX/XX/XXXX, even though I was set up for automatic payments, and now they sent my account to collections for the full {$730.00} even though only {$180.00} is due on my account and my payments have been made. Midland wrongfully reported me to collections since I am on a payment arrangement and they failed to take payment for XX/XX/XXXX. I called Midland today, XX/XX/XXXX at XXXX PST and spoke to a woman named XXXX and she said she could not help me because the account representatives assigned to my account do not work on weekends. This needs to be resolved ASAP by removing my account from collections and removing this false collection account from my credit report. I have attached proof of payments for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was directed by the TRANSUNION web site to get a free online credit report from a separate free website, but when I tried to access the credit report for TansUnion I was given an error that said they were not providing online credit reports at this time. So I tried to access the Transunion site to get an report and they said I would have to pay for a report since I already accessed my free one. Looks to me like a scam to get me to pay for a credit report that I should be able to get for free. Not sure why this is so hard for credit bureaus to be cooperative with consumers regarding getting easy access to privately owned data that's collected without our approval or consent to begin with.

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 2018-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lending Club Corp
State: NC

Complaint narrative:
I have never taken out a loan with this company an where did they get my information from an where did you send this money to

Company response to consumer: Closed with explanation