vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received a call on XXXX/XXXX/XXXX at approximately XXXX XXXX  on my work phone from XXXX ( XXXX XXXX XXXX ). The man stated I had an outstanding debt to XXXX XXXX XXXX XXXX in the amount of {$200.00}, and did I want to settle the debt by phone. I attempted to explain to the caller my credit card with Sears was more than 25 years old and I knew my mother had paid the debt in full. The call turned hostile when I asked the caller to provide details on the amount owed by letter or fax. He told me he did not have to provide details, I knew what I owed. He told me he knew where I lived, specifically providing my home address, he knew what kind of car I drove, ( XXXX ) and he would be calling my employer regarding this outstanding debt. I hung up without giving additional details. I called back at XXXX XXXX, after reading the specifics on the Federal Trade Commissioners website about the Fair Credit Act. A man who identified himself as the General Manager got on the call and proceeded in a more abrasive confrontation manner stating if I paid the debt by phone the calls would stop. I attempted to read the statute of limitations, the right to request details on the debt and the right not to receive threatening calls on my job or my personal phone. He stated a collections notice was mailed to me two weeks ago. I attempted to explain I had not received the notice and could he fax it to my attention. He said no he was not required to provide me with details, my debt did not go away no matter how old and I needed to pay or he would proceed with taking action by calling my employer, filing charges and suing me. I told him without proof of debt I would not continue the call and would proceed with the law, as regulated by the Fair Credit Act.  He was belligerent, unnecessarily hostile and would not allow me to speak. I hung up on the call again. I was no longer going to me insulted by his hostile voice, threatening tactics of calling my employer or coming to 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 2017-12-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc.
State: MI

Complaint narrative:
I applied for a Student Loan refinance from SoFi at the end of XXXX. While going through their application process they seemed to have issues getting me the correct forms needed for my HR department to release my income. My HR department verified the employment, but not the income. Once I got the correct release forms from SoFi, on the XXXX of XXXX, I filled out the required information and sent it to SoFi with my HR departments fax number. SoFi faxed the form to my HR department who then filled out the required information and faxed it to SoFi on the XXXX. I did not hear anything from them until today, the XXXX, when I was informed that my application was declined. When I called them to find out why, I was told it was because they could not verify my employment. I was told I could re-apply and they would use the same " Hard Credit Pull ''. Instead of contacting me again like they had been, they went ahead and did a hard credit pull and then declined my application based on paperwork that was confirmed to be sent to them by my HR department, and not because of my credit score which according to the rejection letter I received was XXXX. This is unacceptable, I would like to report their fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I sent XXXX BITCOIN from my XXXX XXXX XXXX XXXX XXXX on XX/X/2017 at XXXX XXXX central time. I received notification from Coinbase via email that I received XXXX BITCOIN and that it should be available after 6 network confirmations. 

I have yet to receive my BITCOIN since I was notified on XX/X/2017 that my currency would be placed in my virtual wallet. According to XXXX, there is currently over 3218 confirmations on the block chain, which far exceeds the required 6 to confirm the transaction with Coinbase/XXXX. 

Please review this link : XXXX XXXX  XXXX I have sent approximately 20 emails to XXXX support and 20 emails to Coinbase support, one per day per each support service. I 've also made approximately 5 phone calls to live phone support at Coinbase and at XXXX. The most that anyone has been able to tell me is that my support ticket will be escalated to a specialized agent. An agent has not gotten back to me to resolve my problem. 

Enclosed are screen shots of my PENDING transaction. It is clear that I have gone through the requisite number of confirmations for the transaction to post in my XXXX/Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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 have on several occasions requested that the credit agency remove the Bankruptcy listing on my credit file and they have not complied, The filing is not verifiable through the bankruptcy court that they are listing as were they did the verification. I have two letters from the U. S Bankruptcy court in XXXX Md. that states that they do not supply any information with the credit reporting agencies which means that they are not telling the truth about verifying this account, The FCRA says that if they are not able to verify an account then it must be removed and they refuse to do so. I am writing to you to have you do what your company was established for which is to protect the consumer against the big corporations and act as the legal representation, I have attached the copies of the letters from the bankruptcy court and the credit bureau will refuse to investigate this account even with you requesting verification. They will say that this has been investigated and verified as accurate and request more information to start another investigation so I am asking that they verify the DISCHARGE date of the Bankruptcy which it does n't have one so once again they will not be able to verify the account and by law have to remove it. Please do n't let them get away with bullying the consumers based on there not wanting to actually verify this information by calling the courts and providing me with the name and phone number and verification procedures as required per FCRA 611 ( a ) ( 1 ) ( a ) ( c ) / ( 5 ) ( A ) ( i ) / ( 6 ) ( A ) ( B ) ( i ) ( ii ) ( iii ) / ( 7 ). I am hoping that your agency does what they were created to do  and have this account removed from my file immediately. The above referenced FCRA subsections explain the procedures for verification of an account and how they are required to provide the name and phone number of the person they verified this account 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 explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Upon review of my credit report I noticed XXXX XXXX XXXX XXXX reporting an alleged debt. I searched the Texas Secretary of State 's website to verify they are bonded and legally able to collect a debt in Texas, for which they are not. I conducted my search by name and address ; the address search yielded the registered and bonded company name of XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX was not listed as a registered dba as required by the secretary of state.  I sent a letter to XXXX  requesting they remove their reporting and cease their attempts of collecting this alleged debt, for they are operating against the Texas Finance Code for not meeting the bond requirements, and for misrepresenting their company and trying to collect monies under another name other then the true business name. XXXX did not honor my request, yet responded by sending a statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: Worldwide Processing Group, LLC
State: CA

Complaint narrative:
They called my family member saying they located me by location services what ever that means. I called and asked them to only send correspondents through the mail and to stop harrasing my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I switched to Ally Bank in XXXX. I had some cash I wanted to deposit so I deposited them to my wife 's account ( at XXXX XXXX ) and had her write me the check for the said amount. Then the problems began : 1 ) I tried to deposit the check for {$1700.00} with Ally XXXX app. 
2 ) The app malfunctioned and deposited it twice. 
3 ) I immediately called the Ally customer support and asked to ignore/cancel the second transaction - they assured me they will. 
4 ) Both transactions still go through onXX/XX/XXXXand put my wife 's account in overdraft. 
5 ) I call Ally again and ask to reverse the second transaction. They say " no problems, money will be back in 2-3 days ''. 
6 ) Ally withdraws {$1700.00} from my Ally account on XX/XX/XXXX 
7 ) A week passes ; the money never reaches my wife 's account. 
8 ) I call Ally every 2 days. Customer support assures me they are on their way. 
9 ) After 10 days of arguing they tell me that the ONLY way for my wife to get the money back is to open a " paid case through XXXX '' via her bank. They absolutely refuse to return the {$1700.00} to either mine or hers accounts in any way. 
10 ) The branch manager at my wife 's XXXX XXXX tells us that he has never heard of the " paid case '' and can escalate it to the fraud and investigations department at XXXX XXXX  on the XX/XX/XXXX. We have had no updates since then. 

Summary : Ally keeps my {$1700.00} without any reason and refuses to return them. They literally told me : " If you want your money back from us, you will have to open a case against us. '' We are both graduate students and my wife is not working. My monthly wage is about {$1800.00} and Ally bank has taken my monthly wage without any explanation, warning and refuses to return them. If not for my savings and help from parents we may have ended up homeless.

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 2017-12-20 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had ordered items from a dog pet boutique however I never received any of the merchandise, XXXX had confirmed it was delivered to the wrong address and had issued the merchant a credit for the lost items, however after pleading with the merchant to refund me I was denied .So I immediately contacted my credit card to dispute the charges and was given a temporary credit on my account however the merchant challenged the dispute and sent documentation to my bank the the items were delivered when they were delivered to the wrong address and my bank is refusing to refund me even though I printed out the confirmation from XXXX which shows they issued the merchant a claim for the lost package and refuses to work with me in getting my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
IQ DATA INTERNATIONAL are threatening me and trying to collect a debt that i do not owe.Upon checking with the Texas secretary of state they are not even bonded to collect here. I sent in a letter of validation and they have not sent me back what i requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
X/X/2017 {$390.00} charged to my BofA account by unknown merchant with " signature not required ''. This fraudulent item cleared through XXXX XXXX XXXX X/X/2017 Item showed up in my account reconciliation. I advised BofA who credited my account on  XXXX with {$390.00}. XXXX dept. told me that this item appeared to be part of a well-known scheme. 

XX/XX/2017 BofA unexpectedly debited my acct for {$390.00}. I called BofA and found that the XXXX dept. said that I had not submitted returned an inquiry from them. I had never seen the inquiry. BofA emailed me a copy of the inquiry - which essentially asked me if I had further info about the fraud. I returned their form ; per tracking, BofA received the information I provided [ I did n't have any helpful information ]. Approx. XX/XX/2017, I called BofA to confirm receipt. I was told that nothing more would happen until the " bank of first deposit '' [ XXXX XXXX XXXX ] responded to BofA 's inquiry [ on behalf of myself and hundreds [ thousands? ] of other people who suffered the {$390.00} scam. XXXX XXXX XXXX had approx. 45 days to respond ; the cut-off date given to me was XX/XX/XXXX. 

XX/XX/2017 I called BofA because they did not credit my account on XX/XX/17. BofAs check XXXX group now says that the money may never be credited because XXXX XXXX XXXX did not respond to BofA 's inquiry in timely manner. If BofA gets a response and restitution in the future, BofA will credit my account. The XXXX group says that they have no more Info to provide me. I attempted to contact XXXX XXXX XXXX but could not reach a " human '' because I 'm not a depositor there. 

A copy of the fraudulent item is available on request.

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 2017-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: GA

Complaint narrative:
On the first week of XXXX XXXX, I noticed an account in collections from AARGON AGENCY INC ( XXXX ) who was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX XXXX in the amount of {$800.00}. 

This information was disputed multiple times with XXXX and the creditor. The account is in the name of my father, who has almost the exact same name as I. He owned a house in New Jersey, where XXXX & XXXX provided utility service. Which has since fell into foreclosure and collections. 

I have never open, held, or had any type of house or utility service in the state of New Jersey. I never had an account with XXXX XXXX XXXX. This debt belongs to my father. 

I have tried to resolve this collection multiple times now without any luck from any institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Conn's, Inc.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. 
XXXX XX/XX/2017 - XX/XX/2017 Conn Credit Corp XX/XX/2017 - XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Signed up for a new credit card from bank of america and setup automatic payments as soon as I got the card. The payment did not work for the first payment ( which was due several weeks later ) though no such thing is mentioned during the payment setup. ( See attached file. ) When I noticed the late fee I called the bank and was told that if I make a manual payment and give the confirmation number they will cancel it. I did this and the late fee was cancelled. 
Several days later an interrest charge appeared. I called again and was told that they have already considered that I am a long standing customer and have made a partial refund of {$0.00} ( out of {$37.00} ). 
I have since paid the subsequent balances and cancelled the automatic payments with the goal of cancelling the card soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX which ive Never heard of before, have reported my credit score to be XXXX out of XXXX. My FICO score is as if today XXXX. I monitor my XXXX, XXXX  and XXXX Which i understand are the o my agencies allow to provide my credit score, and this XXXX score simply doesnt add up and it is affecting me. I reached out and they want me to send a copy of my social security and license which I am not doing. I am formally opening a complain and hoping this company is taken out of circulation as it is affecting peoples credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Today after spoke XXXX XXXX ( claims representative ) who refused to provide his ID #. Advised me that i will have to resolve the claim on my own because they have decided to closed the case bec Well Fargo felt that was my fault for not stooping the payment. I told him that i have a text message with a confirmation that my payment was confirmed and modify on XXXX XXXX 3 days before the transactions hit my account. Representative " XXXX " wanted to take over the conversation and continue talking and did not let me speak then after we both agreed to conferance a call with XXXX to confirmed my claim and while i was waiting for XXXX to conference call. The representative put me on hold and " disclosed my personal information without my consent which is a VIOLATION of my provacy right " instead of waiting for me to OK. and gave my info. We got on the phone the three of us and yes XXXX representative confirmed that the error was done on " XXXX part " they will do what they need to do to reverse the transaction and possible credit my account. 


This statatement contradics everything what Wells fargo said to me I was told that my claim was declined because XXXX was their right to collect a payment for {$130.00} ( NOT TRUE ). I believe my bank rejected a VALID claim to prefit from NSF fees and other added fees. 

2- Rep should never release any personal information without my consent a violation of my privacy rights. 

3- well Fargo still with same issues and with HUGE custumer services reps that dont know how to handle issues and or call resolutions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX i sent in a debt validation letter asking that they send me a copy of the dept with my signature on it .i asked that i receive all original documents. I have never received anything but a lot of phone calls.UPON SEARCHING THE TEXAS SECRETARY OF STATE DATA BASE NATIONAL CREDIT SYSTEM IS NOT LEGALLY BONDED TO COLLECT A DEBT IN TEAXS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
You can pick your method of payment allocation, but they rarely follow your instructions. You have to call and call and call to get your credit card payments allocated correctly. On their 0 % promotions, they do everything they can to retain a balance so they can charge you 26.99 % interest. They have almost stressed us totally out. We are cutting up our card and taking our business elsewhere. They are not truthful with their credit card business.

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