vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
During the month XXXX I was contacted by XXXX XXXX company regarding an account I had with XXXX XXXX XXXX XXXX XXXX. It was a scholarship that was given while I attended college. I spoke with the original creditor to work out something and that was no avail. I also reached out the collection agency to gather information for the account. A letter was mailed from XXXX XXXX stating the amount I owed. On, XX/XX/XXXX a certified letter was sent to XXXX XXXX to validate the date and to cease contact. I had recieved calls from the collection agency everyday at least two-three times a day regarding this account. After the letter was sent I stopped answering their calls. Once XXXX received my validation letter they stopped contacting me via phone. However, validity of the debt information was not recieved within 30 days as I requested. I started to recived phone calls from the company starting XX/XX/XXXX and XX/XX/XXXX. The calls stopped. I requested validation regarding the debt and nothing was receieved. Today, I receievd an alert from myfico regarding a collections account that was added to my credit report. It was XXXX XXXX. I have not recieved the documents that were requested via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Contacted a member of my family and shared with them the original creditor 's name as well as the amount of debt owed. Demanded payment from this relative and demanded it be paid immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
on XXXX2017 I made a transfer of my coins from XXXX/coinbase account to XXXX 
XXXX was a scam, I have requested XXXX/coinbase to cancel those transfers, the reply from XXXX/coinbase was not refundable. 

my account XXXX and XXXX/coinbase locked my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On the day of XXXX/XXXX/XXXX I received my regular check from my employer which it was the amount of XXXX. I later on mobile deposited onto my account and left the check in my purse for several months. on XXXX XXXX XXXX I went shopping at XXXX and someone stole my yellow mustard purse which contained my work checks from my employer. I was lucky to have my wallet on hand while my purse was on the shopping cart. unfortunally I turned around for a sec and the purse was gone with my personal belongings, phone and checks that where by digital deposit into my account. days passed and on XXXX XXXX XXXX my employer came up to me and asked if I re cashed a check from XXXX for the reason that XXXX was deducted from her business account. I later realized that the same check I mobile deposit on XXXX/XXXX/XXXX was re cashed on XXXX/XXXX/XXXX and of course my employer went to her bank and filed a fraud complaint regarding the stolen money. A week had passed and I log into my account and I realized that I was XXXX less which I was confused and of course called my bank immediately and my bank had said they took that money and put it back to my employers account which is XXXX XXXX XXXX. I was furious because now my account is being affected due to this money being less. I went to my employer to let them know money was taken out of my account and they rushed into their bank to talk to a XXXX XXXX XXXX manager to let them know that the check that was cashed on XXXX XXXX was thef. I called my bank several times and they could n't do anything for me they stated that the check was cashed on XXXX XXXX and suggested for me to go and talk to them regarding my problem. I did go and explain my situation and said they could n't do anything for me. I went to XXXX XXXXf XXXX ( where the check is originally from ) I explained that fraud claim was made and I wanted answer, they could n't give them to me. So basically a check with my name was disputed/cashed in XXXX XXXX without my Identification or knowledge. I need answers and of course my money back. XXXX XXXX XXXX did n't look into investigating bank XXXX where the check was disputed and they went after my account to take the money out. I need answer I have a police report as well and when my employer went to do the fraud complaint she took the police report to show it is thef.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express recently sent an email to its charge card customers about " Flexible Payment Option ''. This option allows users to carry there balance over with interest month to month. The issue I have is XXXX makes this sound to be a good thing along with providing an incentive to keep accruing interest on your debt. I feel this is unethical for credit card company to entrap its customers. It is also making it harder for customer to know if there full bill will be paid by the end of the month when an auto-pay is already set up which will lead to carried interest. I have copied the text below. 

I also want to clarify that I have not signed up for this program but realize many other people will unknowingly. 

" As a valued American Express Charge Card Card Member, you deserve choices when it comes to paying your bill each month. We 'd like to invite you to enroll in the Extended Payment Option1, a feature that gives you the flexibility to carry a balance with interest or pay in full each month. 

And, if you are approved, you could get XXXX Membership Rewards points.2 '' " Eligible charges of {$100.00} or more will be automatically moved to your Pay Over Time balance up to your Pay Over Time limit. For charges you choose to pay over time, the APR will be a variable rate, currently 16.24 %. ( The rate assigned will be the same as the current rate for your Select & Pay Later feature. ) You still have the option to pay your balance off in full each month. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has two address on credit report of cities I have never lived. The address in question are XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
capital one claims i own XXXX dollars and XXXX dollars on these two accounts i never opened these acounts capital one wont even investigate these for me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i never owned this account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: SD

Complaint narrative:
switch two step verification to authy worked the first time but never again. 
have called and been hung up on. 
have emailed but not response have used the computer camera to verify my identity but got no response. 
What in the world is going on with you? 
I just want to log in to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am a victim of THEIR inquiry issue. Transunion had a server error in which they did not follow the legal process, and fraudulently added inquiries on to my account that do not belong to me. I now have a fraud alert on my account but yet they will not remove the fraudulent inquiries. 

I called and spoke to a customer service rep in which they refused to acknowledge the error. 

These inquiries are fraud and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-13 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: TX

Complaint narrative:
I initiated 3 written disputes between XXXX XXXX and XXXX XXXX with Experian requesting verification of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and the Office of the Attorney general accounts that show on my credit report. These unverified items still remain on my credit report in violation of Federal Law. Experian responded to each of my disputes saying the information was updated, but failed to remove them or to send me copies of the documents that used to verify these accounts as per my request. The fact that Experian has ignored my request to send me copies of the documents used to verify the disputed accounts is evidence that they did not properly verify any of the disputed accounts. Experian has not produced any document with my dated signature or authorization. Yet they willingly continue to report unverified information despite the Fair Credit Reporting Act laws in place prohibiting this unethical practice. I request that these items be removed immediately.

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 2017-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
td bank says i own money but i never opened a bank account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I contacted Transunion on XXXX at XXXX am get and spoke with XXXX XXXX in the XXXX Special Handling department. I advised XXXX that due to a glitch in Transunion 's system in XXXX of XXXX and XXXX XXXX I had inquires to be removed and added back without a 5 day written notice as federal law requires. XXXX refused to remove the hard inquires from my credit file permanently and stated that they do not have to provide written notice when adding them back. This is causing an undue hardship as it caused my credit score to drop drastically do to their glitch. I feel that I am continuing to victimized by Transunion due to their negligence. Please help me get this resolved and those inquires removed.

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 2017-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX at XXXX XXXX XXXX for {$15000.00} The vehicle was financed through Prestige Financial and my monthly payments were {$370.00} for 72 months. I made a total of {$6400.00} in payments in which {$820.00} of that was applied to the principle balance. Now my balance is approx {$16000.00}. I was never made aware of any additional charges to my loan and have requested them to give me a detailed explanation of charges and they have not provided me with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received notice on the last week in XX/XX/XXXX that my mortgage was being increased from XXXX to XXXX, and this is because I am required to have flood insurance. I called XXXX XXXX for a quote and they said they could insure me for XXXX instead of XXXX what XXXX is charging me. My mortgage payment would go down instead of up. I will loose my house if forced to pay XXXX, I am XXXX and on a fixed income. I have been trying to stop payment that XXXX took out of escrow, but they are not letting me cancel. I have been working on this for 3 weeks now. I have XXXX XXXX waiting for the funds, my new policy would start XXXX XXXX 2017. I thought I was supposed to have 30 to 60 days notice. I am scrambling to save my home. Can you help?

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 2017-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
My home flooded on XXXX XXXX, XXXX in XXXX XXXX, LA. My insurance company promptly issued a payment for the damages to my home. The payment was issued to XXXX XXXX XXXXl / XXXX XXXX and myself. They first tried to tell me I MUST hire a contractor to do all the work and tried to tell me it was required in my mortgage agreement. I read my mortgage agreement and it is NOT Required for me to hire a contractor. After calling them on that lie, they released the first 1/3 of the money for the repairs. When I requested the first payment they tried to tell me they only had to release money for the repairs that have been completed. WHO are they to hold my insurance funds. They are making me beg and jump through all kinds of hoops to receive the insurance money they are drawing interest from while they hold. I have allowed them to inspect the house to see the repairs are being done, and this still is not good enough for them. I can only do the repairs until my credit cards are maxed out and then I have to BEG them to release the money so I can pay the credit cards so I can start charging again to get the repairs done. This is costing me more because I have to pay the interest on those credit cards. This company is ripping me off and I need someone to stop them and force them to release the money my insurance paid so I can get all the repairs completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: OH

Complaint narrative:
Equifax is reporting a paid collection with XXXX XXXX as {$0.00} balance past due, and open. Account not reporting on XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
There are 2 Portfolio Recovery Associates for amount of {$2000.00} and {$550.00} that does not belong to me. I have sent Portfolio Recovery Associates a debt valuation several times with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I was called from phone number XXXX XXXX/XXXX/XXXX Wed XXXX on my cell phone which has been registered for over a year on the do-not-call registry. They left a message which I transcribed as best I could : " We have an important message from XXXX XXXX XXXX. This is a call from a debt collector. Please call XXXX. '' I called back and reached them. They immediately asked my name. 

Since I have no debts, I knew this was the start of some kind of identity theft scam, so I refused to give them my name and the conversation ended there. 

I wanted to report that this company is using the kind of tactics which are a prelude to identity theft, making them a very suspicious company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MT

Complaint narrative:
I noticed this debt listed on my credit report. I have never had any dealings with XXXX XXXX or its subsidiaries. I attempted to get this corrected but it still shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: American Credit Resolution, Incorporated
State: TX

Complaint narrative:
XXXX, my account representative at ACR continues to call my work number to get a hold of me even though I gave him my personal phone number. One of the coworkers was instructed by my manager to tell him to stop calling the company and he responded with " I will continue to call, today, the next day and the next day '' My manager called him and explained to him that he needs to stop calling and he responded with saying that he wo n't stop and that I should be fired for having collectors call my job and that he would not allow employees to get personal calls at work and that I must be a terrible employee who needs to get fired.

I, my manager and coworkers have already let him know he can not call my work as he does have other ways of reaching me such as phone and email.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I wrote a check out to my hair dresser. She cashed it electronically on XXXX or XXXX with her bank, Wells Fargo. She then accidently cashed it again around XXXX or XXXX with Wells Fargo. As a result, my credit union deducted the amount of the check twice from my checking account on XXXX and XXXX. I was double charged. Wells Fargo contacted my hair dresser just before XXXX ( approx. XXXX ) to let her know that the check was double deposited and that the duplicate funds would be deducted from her account. To date, although Wells Fargo removed the funds from her account, they have never return the funds to my account. I have contacted my Credit Union which will research the issue, however, if Wells Fargo knew that it was a double transaction and removed the funds, Wells Fargo should have credited the funds back to my account. Instead, Wells Fargo has kept the funds which do not belong to them. In an effort to contact Wells Fargo abou the issue, all their numbers require you to have an account with them. I do n't have an account with them, but I am impacted by the error in their processes. I finally found a number to reach their executive office after 30+ minutes of searching. I filed a case with the executive office, but was told there is nothing they can do to research or resolve this issue. My credit union must research and submit a request to Wells Fargo to get the funds returned. I contacted my credit union which is working on resolving the issue. However, should n't Wells Fargo look into their systems to see why this error happened and why they are not returning funds. I wonder how many people have been double charged and how many millions of dollars Wells Fargo keeping that does not belong to them and should be returned to the rightful account owners.

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 2017-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
Without explanation, notice, or legal authority, XXXX XXXX is now refusing to process electronic payments. This is an illegal and transparent attempt to unlawfully accrue additional interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Perfection Collection
State: MA

Complaint narrative:
Perfection Collection LLC for amount of {$640.00}. This item does not belong to me, I have sent Perfection Collection LLC debt validation several times with no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation