vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX   XXXX ,    2017  On  XXXX   XXXX ,    2017  I mailed a letter to Experian requesting verification of  XXXX  accounts on my credit report. Based on  USPS  tracking records the letter was deliver via certified mail  XXXX   XXXX ,  2017  at  XXXX . In addition I have mailed a secound letter requesting the items be removed do to negligent noncompliance of the FCRA and for violating my consumer rights. Today is  XXXX   XXXX ,    2017  and I have no response from Experian. There are several documents included to support my complaint. I appreciate your intervention to ensure Experian upholds federal law from here forward in regards to 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 2017-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have deferred my loans multiple times to see help with repayment options.
I was lied to when signing up for my repayment plan by my loan service provider. I was told that a graduated repayment plan charged me a fixed monthly amount after my first 2 years. My payments were originally XXXX for my first 2 years. I expected them to rise after my initial 2 years, and they did rise to XXXX But, what Navient neglected to tell me, was that my payments would continue to rise every 2 years until the max out around $ XXXX/month. They also did not mention that my {$26000.00} loan would approx. end up costing me {$46000.00} by the time my " repayment '' plan is complete.
<P/>
I would have never signed up for this plan had I known. I ca n't afford their schemes and lies. I am going to have to consolidate in order to gain some control over my debt and repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On  XXXX / XXXX / 2017 , I made a payment toward my car loa n ( my  payment is typically due on the  XXXX  of the month ). I was advised on  XXXX / XXXX / 2017 , that my payment was returned and required me to make a payment to bring the account current. The payment was made and I though nothing of it. On  XXXX / XXXX / 2017 , I received a notification from   XXXX    advising that the account was 30 days past due. When I contacted customer service I was advised that the company reports to the credit bureau on the  XXXX  of the month. I asked for a removal of the 30 day late because I did not understand this internal process and was declined. My payment history with the company is otherwise great.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Company is reporting late payments on XXXX student loans and they are in deferment

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 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Company is reporting late payments on 10 student loans and they are in deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My bank TD is n't reporting my updated bank balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is reporting a debt by a company named XXXX XXXX. I have never done business with this company before, I have no signed contract with this company. I am not liable for this debt in the amount of {$140.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Contacted this company first on  XXXX   XXXX  and was informed that they ca n't mail reports and they can only email them within  15 to  21 days from the date. I contacted them again late  XXXX  to be informed that they emailed it to me late  XXXX  and I should have received it. I am confident that no report was sent. They claimed again that they will investigate and email another report within  3 wee ks.I informed them that based on other customers complainants who after months could n't get a clear answer or a report from them to mail it and if I can get a reference number ... they declined and provided this number ID  XXXX  stating that this is the only way to look up my file. Again today late  XXXX  ... still have n't received anything from them. Called and informed them to mail it to me, to my surprise ... they stated that a supervisor will call me back ... still waiting on the report. This company is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is reporting a debt by a company named XXXX XXXX. I have never done business with this company before, I have no signed contract with this company. I am not liable for this debt in the amount of {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: TX

Complaint narrative:
Synchrony Bank : XXXX XXXX XXXX XXXX. XXXX, XXXX , UT XXXX ; owns the following account Credit Cards : Walmart , Chevron , XXXX, and J.C. Penney . I am the victim of Identity Theft and Computer Hacking. The F.B.I. sent this information to all my creditors, however, Synchrony Bank is ignoring the fact that all my money is gone because their Cyber Security is inadequate when it comes to Identity Theft. My payments were either partially taken or fully taken in transmission from my financial institution to these accounts. Synchrony Bank calls me non-stop beginning at XXXX. None of the employees calling has he authority to make arrangements with me on any of these accounts. I made arrangements with the Walmart employee to pay {$25.00} a month, but now that 's not acceptable. Not only that, But on XXXX, Synchrony checked my Credit Bureaus ratings for no reason, and lowered my limits on the XXXX card, and the J.C. Penney Card, which has no balance at all in 1/2 or more. By doing this, Synchrony lowered my FICO score even more and for no reason at all. I need help in dealing with these cards, because Synchrony wo n't even take the F.B.I. 's findings good enough to stop the harassment. Also, Synchrony, continues to charge interest and late fees to these accounts.

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 2017-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: VT

Complaint narrative:
I sold XXXXEthereum on Coinbase on XXXX XXXX at XXXX for XXXX $ US Dollars and the money went into my USD Wallet on Coinbase at exactly the same time at XXXX. At XXXX on the same day I clicked to withdrew my funds from my USD Wallet that contained XXXX $ US Dollars to my XXXX XXXX  checking account ; provided I had already setup payment methods before. On the USD Wallet transactions page it showed that my transaction was " completed '' .I gave 2-3 business days for the money to arrive to my checking account on my XXXX XXXX account. The screen then told me that my money would arrive by the " end of the day on Saturday XXXX XXXX ''. I filed XXXX emails before and after that given time as my money did not appear but on Coinbase their transaction was " completed ''. I re-checked my account and learned that under the " History '' tab my transaction was still " pending ''. During this time I reached out to the community forums as well as Coinbase support to figure out the issue but all I got was automated response emails. It is now XXXX XXXX of XXXX and my XXXX $ Still has not been deposited into my checking account. I want this issue to be solved but so far I have received absolutely no support from their support page and I learned that this happened to thousands of other people as well. I would like to close my account and never use their service again but still cling to the " hope '' that my money will be deposited. This is unacceptable and should be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX XXXX XXXX, the representative at Wells Fargo in XXXX XXXX treated my mother and I in a very unprofessional manner. My parents tried to get me access to their safety deposit box in order to run errands for them, but I was denied access to the safe area due to my age ( XXXX ). The other managers at this specific branch allow me to accompany my parents into the private room next to the locker. Today this woman made a big deal about me going into the private room that was right next to the locker. There is another room further away from the vault containing safe deposit box, and my mother asked if we could go in there if the woman does not want me near the other safety deposit boxes. The woman denied us from taking our box from that certain area. She later told us there is a printable form that needs to be filled out in order for me to even accompany her into the corner room. Then when my mom requested for this form, another teller told her that a written consent would work too. The problem was not with the form, but instead it was with her attitude towards us when I tried to go into the private room near the safety deposit boxes. She humiliated us in front of other employees and customers. Me helping my parents put items into the safety deposit box once it is in a room had never been a problem before until now. We had a couple more transactions to do, but we left the branch in haste due to her attitude towards us. She made it an unwelcoming and hostile environment.

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 2017-06-23 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: CA

Complaint narrative:
THE XXXX LAW GROUP I HAVE PAID THE GARNISHMENT XXXX AT XXXX XXXX XXXX FIVE YEARS LATER SAME OFFICE START GARNISHING MY WAGE AGAIN SAME CASE BUT UNDER DIFFIRENT NO TAKEN 25 % FROM MY PAY CHECK I FILE CLAIM OF EXEMPTION LAST MONTH I RECEVED COURT NOTE REGARDING THE HEARING AT XXXX COURT FOR XXXX/XXXX/XXXX I WENT TO THE COURT I FIND THERS NO CASE AT THIS COURT REGARDING THIS ISSUE I NEED HELP PLEASE I CANT AFFORD TO PAY ANYTHING THIS CAS ALREADY PAID CASE NO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence Resource Management LLC sent me a debt collection letter for an alleged debt I do not owe. When I called and spoke with them they were rude and hostile which is a flagrant violation of the Fair Debt Collections Practices Act. I have never heard of Credence Resource Management LLC nor do I owe them any alleged debt. I do n't want any further communication from them in any form. Their hostile debt collection tactics are flagrant violations of the Fair Debt Collections Practices Act.

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 2017-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On my Citi card account I made two payments over the phone with customer service. I was told the payment did n't go thru. I made online payments with no problems, they always went thru. I made an online payment to bring the account current. Without contacting me about the account being closed, they just sent me a letter announcing the account was closed because of those two over the phone payments which they said they presented 3 times each. My bank said they have no record of those two over the phone payments ever being presented for payment, not even once, let alone 3 times each. For the last two months I have been trying to straighten this out. I have been told my complaint would be reviewed and someone would call me. No one has called me other than their phone customer service people wanting me to make a payment over the phone. I have informed them that when the account is reopened or a new card of the same type with the same benefits with the old balance transferred to the new card, and everything is restored to where it was, the way it was, then I would resume making payments. Until then I will make payments into a separate saving account so when they have corrected this mistake, I will forward all those payments and bring the card current. I did everything the way I was supposed to. I did nothing wrong and yet I am being punished and seriously inconvenienced. Since my bank has no record of the payments in question having ever been presented, it would seem my bank did n't do anything wrong either. And yes, I do want this published on consumerfinance.gov. Thank you in advance for your help in resolving this matter. Oh, and there better not be any credit report repercussions either, since I did what I was supposed to do.

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 2017-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I had a Paypal Account that was attached to my XXXX credit card for services. <P/>I paid for XXXX charitable donations in XX/XX/XXXX. XXXX of these went to my XXXX credit card as directed. The second donation went to Paypal Credit/ XXXX XXXX XXXX, which I do not have as I never applied or requested this. <P/>Paypal Credit opened a credit account without my permission. There was an Enforcement Action with you for this problem in XXXX. <P/>I tried to pay this amount off with Paypal as I do not use credit. In XXXX when I called I was told they could not pay this amount off unless I gave them identity information such as social security number, DOB and other identifying information in addition to my credit card number. I refused to give my SS number and birth date so they refused to let me pay off the account that was to have been paid in XX/XX/XXXX/XX/XX/XXXXwith my XXXX. <P/>Since then they continue to charge me large fees, I send a check but it is never paid off as the amount continues to increase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-23 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: CO

Complaint narrative:
I had closed a credit card with Chase less than a year ago. My wife inadvertently used this card to get a refund from a merchant, a grocery store. Upon learning of the mistake I called Chase to have the credit applied to my current Chase credit card. After a series of phone calls with customer service agents, dispute resolution agents and supervisors. Chase could find no record of the closed account. In my last conversation with Chase they agreed to apply a credit for the {$57.00} to my current card as a courtesy. I instead received the following letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We entered into a Loan modification with our Mortgage lender Select Portfolio Services On our home 2 years ago. We were told to not make a few payments before they could start the loan modification. For 2 years they denied us but then let us appeal. Every time we would appeal we would have to resend all of the paper work in again because they misplaced everything. We did this around 12 times over the coarse of 2 years. Our house has been in a constant foreclosed state. We have not made any payments because we were afraid we would loose the house. We were just notified that they denied our Loan modification because the process has taken too long, which was not our fault, but would reinstate our old loan We only had 2 weeks to agree to the new terms or we will be foreclosed upon. The new terms are ; They doubled our payments so instead of {$3000.00} a month now it 's {$6000.00}. The whole reason we did the Loan Mod was because we could n't afford the old payment. Also they want a baloon payment of {$85000.00} in one year. Is this even legal?? These terms are rediculous and we can not afford this and are going to loose our beloved home of 26 years we have raised XXXX children there. They have forced us into foreclosure and we can not get a new loan because of back payments. Please help as the deadline is today. Sincerely 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 2017-06-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank at XXXX. XXXX XXXX, XXXX, OH, XXXX ; controls my Macy 's card and my Home Depot card. I emailed both businesses to let them know I am the victim of Identity Theft and Computer Hacking. However, they refused to work with me and the employees that I have arrangements with do not have the authority to make any such arrangements at all. The F.B.I. sent Citibank and the creditors themselves letters stating that the have the criminal in custody awaiting adjudication. None of this has stop their harassment, or their refusal to make arrangements that I can afford. This added XXXX by their continued harassment can XXXX XXXX as I have had XXXX XXXX in XXXX that I should n't have XXXX and a very XXXX XXXX in XXXX. Their employees are rude, do n't want to allow you to finish a sentence, which enrages me so that I can finish a sentence without their constant interruptions and demands that are unreasonable. I 'm currently living on {$300.00}, and they want $ XXXX a month. This is unbelievable.

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 2017-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: CA

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX I have been charged monthly Payment Protection fees totaling {$580.00}. I did not enroll or agree to these fees. I 've contacted the company to cancel this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX I called Citi because I was having issues accessing my account the few days before hand. Knowing I had a payment coming up I wanted to make sure I could pay it to not incur any late fees. Upon calling them I was transferred to numerous reps saying that they could not find my account or that it was closed. I was finally able to reach someone who could tell me what was going on. They said that I had filed for bankruptcy and that my cards were closed and the balances sent to collections. I informed them that I did not file bankruptcy and that someone in my family with the same name did. This is verifiable by a search of my social which is different from theirs. Their " Recovery team '' said they would research the matter and get back to me. Its been 6 business and I called again, only to have them tell me it would take 3-5 business days longer. At the time of writing this I currently do n't have access to the two credit cards that I use primarily. More so, I am worried that I will have my credit score affected, debt collectors calling, late fees accrued, and ultimately an uneasiness if I have to make a big purchase.
I have two cards and both cards were closed.

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