vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: NC

Complaint narrative:
For the past week have been getting numerous phone calls on my home landline that I do not give out from various mortgage refinance companies claiming that I requested a refinance quote and that my   XXXX   credit report was pulled for this. I checked my  XXXX  report and the only inquiries that do n't look familiar to me were to soft pulls from credit karma one week ago.

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 2017-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Gentlemen, In attempt to find out what has been affecting my credit score fo r 2 years exactly I 've come to discover a shady Adverse account used against me.   SYNCB/OLDNAVYDC is found to be behind the adverse informations.   Actually I can recall that I received a letter from  Old Navy,   XXXX   XXXX , Connecticut claiming some payment over some credit Card that I 've never applied for and that I have never received either. And right upon the scene I called the number provided and rejected all ties and all claims related to that creepy credit card ... I also asked them to cancel anything they might have regarding my address and my personal informations and since then I never heard anything from  old navy  Until I come to discover the report made against me.   I was 2 times in the store and paid cash whatever I bought and I remember They asked me if I wanted to file for the store reviews and I only gave them my email and names 2 years ago.   I do n't accept store credit card offers and I 've never applied for any type of store credit card which I do n't need.   Please look into this and bring me justice.   Thank you!     Thank you

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 2017-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I requested validation of the alleged debt. I received a letter dated  XXXX   XXXX ,  2016.  The first paragraph stated, We are in receipt of your letter of dispute and request for verification pursuant to Fair Debt Collection Practices Act. Regarding your demand for verification including original signed contracts, copies of state licenses, and our agreement with original creditor listed on this account, etc., THERE IS NO BASIS IN LAW TO SUBSTANTIATE YOUR RIGHT TO SUCH INFORMATION.   It is evident tha t Medical Data Systems do n ot have proper documentation to collect this invalid debt. I have the right to request documentation with my physical signature ; as identity theft is at an all time high. Ive sent a complaint to BBB as well as Im in distress with the tactics of this company and how theyre destroying my credit worthiness. Feel free to respond to this complaint wit h HIPPA RELEASE, Medical  records and/or documents signed by me. If f Medical Data Systems h ave a right to collect, then they have a duty to produce legitimate validation until I receive documentation requested ; m y HIPPA rights  have been violated!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have filed numerous complaints against Capital One bank for stolen customer 's deposit back to XX/XX/XXXX. Most recently on XX/XX/XXXX I filed police report with XXXX Police Department to ask stolen funds to be back. As I stated before I do NOT know Theft XXXX XXXX. I never authorized her to do anything on my behalf. Attached please find police department letter and my numerous times contact with Capital One to ask stolen funds to be back plus criminal prosecution against XXXX XXXX. Capital One did NOT respond for my most recent complaint. I am asking {$45000.00} principle including 20 % interest starting XX/XX/XXXX and XX/XX/XXXX. Personal time {$5000.00}. Travel expense {$200.00}. Pain & Suffering XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I never do this but my disappointment in USAA is extreme. I have been a member for 20 years. I was an employee for 6 years, and for the life of me I ca n't understand the way this bank has changed. Today I made a mobile deposit using a money order. Without prior warning before the deposit, my funds were put on hold for a week. I make this same transaction every month to pay my rent but for whatever reason this time my funds have been placed on hold. I was transferred to the executive resolution team and was told they will review for an exception. I was denied this because, I do n't deposit enough money to get the exception. What kind of treatment is this? I have a direct deposit every  2  weeks, and the solution I was given is to apply for a USAA credit card or borrow the money. Unbelievable USAA. What is the difference between you and  XXXX   XXXX  or  XXXX  or any other big bank that only cares about their profits. Do you even remember what it means to serve? What does  XXXX  stand for USAA. Lesson learned. Sure my rent check will be returned and you will charge a NSF fee as well as whatever fees my landlord is going to charge. Thanks  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 2017-05-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following inquiry is showing on my Experian Credit Report. I reached out to the business who stated they can not remove this inquiry and that I should contact Experian directly to remove.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ  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 2017-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On  XXXX   XXXX ,  2016,  I purchased/financed a vehicle with Kia  XXXX   XXXX   XXXX . During sell I was informed by in-house finance manager that I would be given 90 day deferred payment. Unfortunately, this has caused problems to date. My car was repossessed but I was able to retrieve car back but informed that I had to pay past due balances and fees. I should never had past due balance as I was supposed to have the 90 day deferment that was offered during original sale. I have attempted to dispute but have been unsuccessful. I should not be responsible for late fees, repo fees, or any additional fees. I need help to rectify this ongoing lengthy issue that I have already expressed to finance company customer service. Issue unresolved to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
Bought {$5000.00} worth of  XXXX  from Coinbase on  XXXX   XXXX .  XXXX  was promised to arrive in my Coinbase  XXXX  wallet on  XXXX   XXXX . It is  XXXX   XXXX  today and I still do not have the promised bitcoins. Funds were taken out of my bank account by Coinbase. Coinbase customer service is non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: AZ

Complaint narrative:
The visa " gift card '' I purchased to specifically use for an online purchase was declined. When I contacted customer service, I spoke to  XXXX . I asked him as to why, I was informed it was because the card was not registered. I then hung up and went to register the card. I then attempted to make an my online purchase again. The card was declined  XXXX  additional times. I called customer service again and I spoke to  XXXX .  XXXX  informed me that it was because the company I was trying to make my purchase with was flagged. I asked  XXXX  what does that mean?  XXXX  said that Blackhawk was investigating that company. I then asked  XXXX  if there was certain businesses that Blackhawk refused to do business with, why was it not plainly written on the package upfront so the consumer was aware. He could not answer my question. I then asked  XXXX  to put me through to his supervisor. Af ter 15 mi nutes of waiting, a supposed supervisor by the name of  XXXX  came to the phone. I posed the same questions to him.  XXXX  told me that Blackhawk did not do business with that company because it was under " their '' investigation. He could not give me a timeframe of that investigation because he does n't know. I asked him what I was supposed to do being that I was not informed that Blackhawk does not do business with certain companies prior to purchase of the gift card.  XXXX  suggested that I use a competitor gift card provider instead. I told  XXXX  that indeed I would do so next time. I then asked  XXXX  to speak with  XXXX  's manager and asked what was  XXXX  's manager name.  XXXX  refused to put me through to his manager and refused to tell me his manager 's name.  XXXX  was extremely rude with his rebuttals and refusal to provide me " the customer '' with any information. I told him that I would file a complaint with someone and he told me to go right ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In   XXXX   I applied for student loans through  XXXX   XXXX  which is now Navient. I am now in debt for about  XXXX . At  XXXX  in   XXXX   I did not establish credit so my parents consigned my loan for me. My parents have always had  XXXX   credit score  but Navient/  XXXX   XXXX   still gave us a very high interest rate of 24 %. It was n't until recently when I lost my job and was able to lower my interest rate. Every time I 've called in the past their only option for me is to refinance the loan or use another loan company to pay off the loan and start paying them. I 've been researching online about the lawsuit out against the private loan company. I feel like I was wrongly represented by Navient and was given a high interest rate off the bat even though my parents had excellent credit. I have been struggling to pay off such a large around and it has affected my credit. If there 's anything that can be done for me to get this loan forgiven I would truly appreciate anything that can help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: NV

Complaint narrative:
HELLO, THIS HAS PREVIOUSLY REPORTED AN ACCOUNT IN ERROR LISTED AS  XXXX   XXXX  ,  XXXX . '' I HAD NO BUISNESS WITH "  XXXX   XXXX   XXXX  OR   XXXX   XXXX   XXXX   '' AND THIS MATTER WAS REMOVED FROM ALL  XXXX  REPORTS, AND NOW PLACED ON MY REPORT AGAIN.     I REQUEST CFPB LOOK INTO THE MATTER AS THIS SHOULD NOT OCCUR AND THIS IS NOT MINE OR IS NOT CORRECT.     THANK YOU.

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 2017-05-10 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: DriveTime
State: CA

Complaint narrative:
The following inquiry is showing on my  XXXX  Credit Report. I reached out to the business who stated they can not remove this inquiry and that I should contact  XXXX  directly to remove.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
The borrower applied for a modification in  XXXX   2016  and was denied because " There was an irreconcilable discrepancy in the application ''. That was the only statement. The borrower had to have a law firm write a letter to learn what the discrepancies were. The borrower applied for another modification with letters of explanation for the discrepancy. The borrowers were denied in a letter with the exact same sentence, " There was an irreconcilable discrepancy in the application ''. The borrowers used this attorney to speak with the banks ' foreclosing attorney via a lengthy email chain to determine what those discrepancies were. They were the same discrepancies addressed in the letters of explanation that were submitted by this law firm to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
I file a complaint, your case number,  XXXX , and all that 's sufficient for you is for this bank to respond regardless of their response. Does n't matter that I am satisfied from the wrongdoing this bank did. They respond, you close the case. That 's good enough for the CONSUMER FINANCIAL PROTECTION BUREAU? And then I ca n't even respond or give you feedback because that link is broken. Pathetic. You 've effectively created a website that serves little to no purpose. I 'm still not satisfied and fully expect you to force this bank for a complete and full refund

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 2017-05-10 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: NV

Complaint narrative:
HELLO, THIS HAS PREVIOUSLY REPORTED AN ACCOUNT IN ERROR LISTED AS  XXXX   XXXX   XXXX   XXXX . '' I HAD NO BUISNESS WITH "  XXXX   XXXX   XXXX  OR   XXXX   XXXX   XXXX   '' AND THIS MATTER WAS REMOVED FROM ALL  XXXX  REPORTS, AND NOW PLACED ON MY REPORT AGAIN.     I REQUEST CFPB LOOK INTO THE MATTER AS THIS SHOULD NOT OCCUR AND THIS IS NOT MINE OR IS NOT CORRECT.     THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Talbot, Adams, & Moore, Inc.
State: FL

Complaint narrative:
issue started with   XXXX   in  XX/XX/XXXX  / XX/XX/XXXX  and  several collection companies. finally after years of being harassed I got it taken care of thru your agency. But like a bad dream it is back on as a new credit card collection syarting in  XX/XX/XXXX  an d companies are harassing and threating me. I had documents from  XXXX  that were destroyed in hurricane that was letter from company back years ago stating not mine. it is now being reported as new collection from several companies.  One company is  XXXX /spears Dewitt  hall  XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   tx  XXXX   XXXX  in my old file with you last year is a copy of the letter from them.. this account is over  9 years old  and continues to come back and ruin my credit. please contact me asap  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Got a call from a stranger ab out 2 weeks ago saying  that he can view all my business account information. I thought that it was just a scam but then he emailed me screenshots with all the transactions I have but under his login page. The I called Bank of America and after talking to the customer service for more than an hour, they finally found that my account is " mis-linked '' to someone that I have never met before!!! The lady told me that the case will pass to   " Privacy Department '' and they will investigate and get back to me soon.
As you can guess by reading this message, nothing has happened. All of my account transactions are  XXXX  in f  ront of someone I did not authorize to is bad. What 's even worse, that customer service lady is longer taking/returning my call despite of the few follow-up messages I left for her in the past few weeks ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SYNERGY ONE LENDING, INC.
State: CA

Complaint narrative:
I WAS DOING REFINACE WITH COMPANY BECAUSE A I HAVE VARIBLE RATE AND TRY CONVERT MY LOAN  XXXX  YRS FIXED, THEY TOOK FOREVER NO RESPONSE SO I TOOK DOCUMENTS FROM THEM AND HIRED SOMEONE ELS TO DOIT AFTER THAT THEY GET MAD CASUE I DID NOT FINISH REFINANCE, AND THE GIVE BAD REFERRALS TO OTHER COMPANY I SPEND  XXXX  FOR APRASSAILES DID NOT COMPLETE REFINANCE THANKS TO THIS PEOPLE AL BAD REFERENCES NOW I GOT STUCKED WITH MY LOAN CAN DO NOTHING ABOUT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I opened a checking and savings account with  Wells Fargo  late  XXXX   XXXX . I specifically said I only wanted a checking and savings account and nothing else. A couple of weeks later in  XXXX   XXXX  a credit card shows up at my door step. I specifically did not ask/want the credit card. I activated it a couple of weeks later. I called them  XXXX   XXXX  and asked where the card came from, no good response. I called them  XXXX   XXXX , after the whole banking scandal, no good response.     I then checked my credit report  XXXX   XXXX  and saw that that they did a hard credit pull on my account for that credit card. I called them and told them I did not authorize it and they did not tell me they did a hard pull on the account.  XXXX   XXXX ,  XXXX  I talked to one of their customer service reps and the guy said if you cancel the card we can send a letter to the credit bureaus and retract the credit pull. I said fair deal. I got a call today  XXXX   XXXX ,  XXXX  and the guy was from " executive '' relations and he said that is not something they 're going to do because I " benefited. '' Well they 're not removing the credit pull, I closed the card, and I lost the points I accumulated.     Basically, it 's the worst customer service I 've ever had and least amount of answers to my questions. I 've NEVER, EVER had a credit card or bank account for less than a year from opening. I 'm usually the type that rolls with the punches but  Wells Fargo  was really good at driving me away.

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 2017-05-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: OH

Complaint narrative:
First, some of your choices did not apply to my problem. I only selected them so I could proceed.     The first paragraph below is my first contact with the  XXXX  of Ohio  XXXX . General regarding GC  XXXX   XXXX  Partnership/Gulf coast Services/ Operations Division. They in turn, contacted them about my complaint. I have attached a copy or their atty 's response. Below  is a summary of my problem : FAIR DEBT COLLECTION PRACTICES ACT. I have student loans. Through a collection agency I made arrangements for pmt in  XXXX   XXXX  and was assured by employee, that I was not certified for my tax refund to be taken. It was. On  XXXX  the agency mgr said he would listen to recorded ph calls & get back to be by  XXXX . He did not and will not respond to my calls.   To me, this deceitfulness regarding the offset and the refusal of the mgr to return my call is a blatant violation. In return, the atty said he has been disciplined. You do n't discipline someone of they are NOT GUILTY! Please review the attachment.     In addition to the above matter, my initial contact with the agency was with agent  XXXX   XXXX . We did not have a congenial conversation and when she hung up, she called me back and called me a  XXXX . I suspect it was on her personal phone, and so it ca n't be proven. However, I believe it was on  XXXX   XXXX ,  XXXX  about  XXXX . Those calls could be listened to. I had also told Mgr.  XXXX   XXXX  about this in my conversation with him on  XXXX   XXXX ,  XXXX . I 'm confident this was covered up as well.     I look forward to your response.      XXXX   XXXX

Company response to consumer: Closed with explanation