vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : WAKEFIELD AND ASSOCIATES {$440.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious WAKEFIELD AND ASSOCIATES {$440.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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 2018-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment for XXXX 2017 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX we suffered a severe hurricane Irma. We were hit by this hurricane and had no electricity or cell phone service for quite some time. After this devastating event, I had to call my credit card companies as I was behind on the bills due to this hurricane. According to FEMA, the credit card companies were able to waive several months of payment with no interest and late fees. I have XXXX XXXX, XXXX XXXX XXXX, XXXX and CITI Bank. All these banks promised that FEMA had these benefits for card holders for a 3 month mark since XX/XX/XXXX. Thus I did not make any payments for 3 months and with all the banks I had no issues, except CITI Bank. They promised the same FEMA benefit. I did not make my payments for 3 months. The first month of XX/XX/XXXX it was waived, but then two months later, they sent a letter stating I am behind on my credit card payment and that they are wanting to collect debt. I called right away and explained about being impacted by the hurricane Irma. They said to pay my overdue amount of {$200.00} dollars or so to catch up, which I did. Then when they transferred me to another CITI department to ask about my card not working, they stated that since I did not pay, they closed my account and reported 60 days no payment to the credit bureaus! I explained this is not fault as I was impacted by the hurricane and they stated I would not have to pay for 3 months! 

I was then transferred to a supervisor whom said CITI decided to close the account, but they state the reason, the supervisor was very rude and I said it was because it shows on the system I missed payment for 2 months, when in reality they stated I would not have to pay until XX/XX/XXXX. The supervisors name was XXXX and employee ID : XXXX. Now they closed my account without my authorization and it shows on my credit report I no longer have this account and it shows delinquent negative report on my credit report. In all my years, I have never had a bank close my account especially when it is not an error on my behalf. I find this unjust and unethical by CITI Bank. I even sent a letter which I have in my records to corporate in XX/XX/XXXX and did n't even receive a reply! Any help is appreciated!

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 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX $ XXXX/ XX/XX/XXXXYour company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX $ XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX/ XX/XX/XXXX XX/XX/XXXXI have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Hello, I received my credit report from all 3 credit bureaus after being denied for credit. To my dismay I was quite frankly shocked to see that Care credit with XXXX XXXX had an account on there with my name. I sent them a debt validation letter asking for the signed contract or my signature. What they sent to me was a letter simply stating they verified the debt as accurate and that it's mine. I have no knowledge of this debt at all. They are reporting wrong information on my credit reports. This is not my debt and they have not validated it as mine with any sort of proof or documentation proving it is mine.

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 2018-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
I have received several phone calls from approx XX/XX/XXXX thru XX/XX/XXXXfrom in attempt to collect on a various debts that they claim I owe money for. Upon first contact they have claimed to mail out a collection letter yet I have not seen any that im aware of. 

I have requested every time that I would like verification in writing to prove that I owe the debt to this company. They have failed to do so to this date. 

I have done several disputes on my credit in attempt to remove these collection accounts from my credit and they refuse to show proof of the debts listed on my credit yet they have refused to remove them as well. 

I have also called several times over the past year on my own behalf and requested verification in writing that I owe the debt and they told me no that they did n't have to or that they could not do it for random reasons that did not make sense to me. 

Its my understanding that the law states that they have to show proof to me in writing and verify the accounts. 

The company info that is on my credit shows up as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I believe this is the same company as XXXX XXXX XXXX Along with placing 12 items on my credit some of the items they have placed are duplicate entries that have dropped my score even lower and despite several disputes they have also refused to remove the duplicate copies of the accounts on my credit as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
We got a 0 % interest loan through GM Financial ( XXXX ) in XX/XX/XXXX. The payment is {$440.00} per month and we make a payment every Monday of {$120.00}. This put us at least 8 months ahead of the scheduled payments. I am getting red flagged on my account saying we have late payments. I have contacted them through their website repeatedly with to response. I have contacted them via phone on XX/XX/XXXX, to which they stated they would go back into my account only to XX/XX/XXXX and credit the account {$250.00}, but did not. Which is NOT a suitable solution. Since XX/XX/XXXX I have tried to call repeatedly, but can not get through and eventually the call gets dropped while I am on hold. 

With a 0 % loan that I am far out ahead of the payments on, I am now in risk of them reporting this to the credit bureaus and having a negative effect on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX {$1100.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX {$1100.00} I have report your company to consumerfinance.gov As a  form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I have coinbase and I bought bitcoin and then sold my bitcoin and now I have USD in my coinbase wallet but they wo n't let me transfer it to my bank account. 

I have emailed them and continue to try to " verify '' my bank account ( which I already verified and which was already used to even withdraw funds into my coinbase account ) The process is insane but I already went through it. 
So I started it again which was prompted when I went to withdraw my USD into my bank and they said they would withdraw 2 amounts into my account and that I need to tell them the amounts in order to verify my account. I got the amounts in my bank account and when to verify - the amounts were over {$1.00} and they only had an option to put in cents, no dollar. So I put in the cents portion and they said they did n't match. OF course they did n't - coinbase did n't allow me to put in the dollar amount, just cents. 
I did the process AGAIN, same issues. Coinbase does n't ever respond to any of my emails. They are awful. 

This is a SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I put in a claim with SunTrust bank over a vendor that took my money for a service and never supplied the service or replied to any of my inquiries. The bank issued me a temporary credit for the amount, but after their investigation decided that they would reverse the temporary credit. They sent me notification of the reversal AFTER it had been done. The letter they sent was dated XX/XX/XXXX and it read as follows : " Based on this information, we will be reversing the temporary credit that was issued to your account in the amount of {$200.00}. The adjustment is scheduled for XX/XX/XXXX. '' Their inability to notify me before resulted in an overdraft and associated fees in that account. When I attempted to explain to them that they notified me after the fact, it was like talking to a brick wall. Eventually they reversed the fee, but their practices are terrible. This is not the first time I have gotten caught in their bad practices resulting in me losing money. You have to be willing to argue to get your money back from SunTrust even when it is their doing.

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 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX {$1600.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity  theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX {$1600.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found two late payments on the following date : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC
State: NE

Complaint narrative:
I filed for bankruptcy in 2012. What I owed Ditech was discharged. Now they state I still owe them {$8000.00}. The account shows discharged on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation