vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Fees levied for Credit Protection Service. Did not request this service. Each month I was assessed a fee based on outstanding balane (? ). It differs each month.
XX/16 {$24.00} XX/16 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 monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NJ

Complaint narrative:
for the past 3 months I have dealt with numerous customer service representatives. more than one has told me incorrect information and they are all on different pages. I was told if I make a payment of XXXX and signed up for automatic debit my account would be brought current by two different representatives which I can provide dates for. after each time a week later someone calls to tell me that the payment arrangement is not going to work and to call them back to keep going through the cycle. I keep telling them I can not afford to pay them a XXXX dollars to make the account current I can only afford my monthly payment of XXXX while they keep playing around my account goes further and further past due. I 'm frustrated and no one in customer service seems to know what they are doing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information to apply for credit accounts without his consent. While these applications were denied inquiries into his credit were made based on those applications. One of these applications was submitted to XXXX XXXX ; an official dispute of this application and inquiry was sent to Pay Pal certified mail with return receipt however Pay Pal has not responded to the request given to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
The debt collector called me to ask for medical fee that was paid by my health insurance in full. I told them to check with the hospital that this is no longer a debt and they refuse to do so. The hospital bill was paid late by my health insurance because the hospital did not give all information to the insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I 've submitted multiple cases via Coinbase website, I was told that " they 'll follow up with me. '' I have yet to receive any information regarding my case ( s ). They disabled my account due to me verifying ID and address. I sent them my photo ID and address and I 'm still locked out of my account. I also contacted Coinbase Support via XXXX on X/X/2017 ; they replied with " A specialist will follow up with you soon. '' It 's almost impossible to get support from them. I 'm trying to remain calm and patient, but it 's frustrating when I have money in there that I ca n't manage. Coinbase is a solid app overall, but the customer support is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ROC Asset Solutions, LLC
State: FL

Complaint narrative:
In addition to complaint # XXXX and XXXX ( the original complaint ) they contacted another family member on XXXX XXXX, 2017. They contacted my aunt, stated they were trying to reach me regarding a serious legal matter. They also contacted my Grandmother 's home, I have no idea how they are even getting this information. They told my grandmother I would be jailed. My XXXX year old grandmother called me in a panic. The name of the person that made this call was XXXX XXXX? Not even sure that 's a legitimate name and the phone number is XXXX, file # XXXX. When I returned this call to speak with XXXX XXXX, I was told it had been dismissed and they could n't provide me any further information. How are these people getting away with this type of harassment. They contacted my job repeatedly after being asked not to. They called asking to speak with my HR department. They 've contacted every member of my family as if I 'm some type of criminal, then to say it was dismissed. This ca n't be legal and I would like answers. If I could sue this company or press charges, I absolutely would in a heartbeat!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute with Equifax and XXXX last year to remove a paid tax lien along with supporting documents, they did not remove the lien. On XX/XX/2017 I called Equifax and XXXX due to the new law in effect XX/XX/17 re : tax liens, i was advised by the reps at each CB that the tax lien would be deleted from the file by the end of XX/XX/XXXX because under the new law any public record data must include name, addr, dob, and ssn in order to be reported and mine is missing the ssn. The CB has not updated my file as of today XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I called this company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was allegedly for expenses after I moved out of the apartment at XXXX XXXX. After 4 months of requesting debt validation, I received the contract and the alleged invoice. I called the company and informed them that the invoiced items could not belong to me. According to the lease that was provided to me by the debt collector, the terms began on XX/XX/XXXX through XX/XX/XXXX. The lease was signed on XX/XX/XXXX. The invoice is charging me for items before my lease began and for items that were not done when I was in the apartment. I am being charged for items done on XX/XX/XXXX to XX/XX/XXXX when my lease did not begin!! When I moved in the apartment, it was already painted and cleaned. How can I be charged for painting that allegedly happened when I already moved in? No painting occurred while I was in the property. They are charging me for unit not cleaned on XX/XX/XXXX when I was already in the apartment! They are also charging me for early termination fees of two months and a half when I left the apartment 2 days before my lease ended! I called the debt collector three times and they said they were contacting XXXX XXXX and they never answered my calls. I explained to the debt collectors how is it possible that painting occurred when I was already in the apartment and how can the apartment be cleaned when I was in the apartment? I told them they had the wrong person and they refused to answer my calls and tell me what XXXX XXXX said. This is not my bill and I refuse to pay it. This is damaging my credit report and hurting my chances of purchasing my home! I need this deleted! It is not my bill!!!!

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 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Alpha Recovery Corp
State: VA

Complaint narrative:
On XX/XX/XXXX I received a warrent of debt letter when trying to call the lawyer I was connected to the debt collector they are impersonating a law firm the debt collector is XXXX XXXX XXXX this account has already been charged off

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 2017-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I transferred {$4000.00} to Coinbase : Bank Name XXXX XXXX XXXX Bank Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX United States Account number XXXX Routing Number XXXX Recipient Name Coinbase, Inc Recipient Address XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX Reference Number : XXXX I sent the money from XXXX : From : Account : INDIVIDUAL ( XXXX ) Action : Transfer cash To : Account : XXXX XXXX XXXX  Account Number : XXXX Bank Routing Number : XXXX Wire Amount : {$4000.00} Transfer Fee : {$10.00} Total Amount : {$4000.00} I have contacted both XXXX XXXX  XXXX XXXX XXXX who both verify that Coinbase has my money. I have attempted to get into contact with Coinbase via E-mail, their support portal on their website, I have tried calling them ( they have no numbers publicly available ), and I also tried reaching out to them on XXXX  and reversing the wire transfer through XXXX to no avail. At this point the money is being held hostage by Coinbase and I can not get in touch with any individual who may be able to help me. I have read online and a number of users have had issues with Coinbase holding their funds hostage/in limbo. Any help with this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I received a call from my Sam 's Club credit card provider on X/X/17 about verifying potential fraudulent charges. I logged into my account and noticed that there were indeed fraudulent charges taking place in another state ( Florida ... I live XXXX XXXX XXXX, Missouri ), dating back to mid-XXXX. I called the number on the recording to ask why I had not been notified sooner and to log the charges as fraudulent ( there were approximately 40 transactions totaling around {$1000.00} ). The representative informed they would send out a packet to let me verify that all the charges were accurately recorded and certify that they were fraudulent, then investigate, and if they found out they were fraudulent, my account would be credited. Today ( XXXX/XXXX/XXXX ), I reached back out to the fraud department to let them know that I had not received a packet, and they informed me that the investigation was closed and that they would credit my account in the amount of {$270.00}. I asked how they arrived at that number and expressed my dismay that I had not gotten a chance to verify that all the fraudulent charges had been properly recorded. They told me my only option was to re-file the fraudulent charges ( even though they took away my access to the old statements and charges ) and that the investigator would be encouraged to reach out to me. My cardmember agreement states that I am not responsible for fraudulent charges, and the way this was resolved, I am being held responsible. I will re-file the fraudulent charges, but would like some help and guidance on how to resolve this matter.

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 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
An account for {$2000.00} was open with TJMaxx Master Card and {$1800.00} with Walmart fraudulently and never opened by me there after the accounts were used and paid and used and had returned payments and used paid again and payments return I have reached out to providers several times

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 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
In XXXX,2017 I was online and saw an link to a card that would pay XXXX dollars for spending XXXX dollars in the first 90 day. I clicked on the link, it was wells fargo, I filled out the application and was accepted on line. I spent XXXX dollars in the card in the first month that I had the card. At the end of the first billing cycle in XXXX I checked my account and there was not a cash back reward, I called wells fargo and they told my it would be given to me in XXXX 2017 at the end of the 90 day intro. period. In XXXX when I checked wells fargo had only put XXXX dollars in my rewards account. I called wells fargo and inquired about the cash back rewards deposit. Wells fargo opened a case for me on the XXXX of XXXX and said it should be completed in 14 days. I called back on the about the XXXX of XXXX and it still had not been completed, and was told that it was real close to being completed. I then called back on the XXXX of XXXX and was told that it had not been completed yet. I asked to speak to a supervisor who gave me the same answer, and he told me that my case had been taken to the next level of the investigation. ( not sure what that means ) I told them both that this was not their fault, but was not very good customer service. After the lady gave me her reason for the case not being completed. I told her that I was going to file a complaint with the CFPB. and that what they were doing to customers was a bait and switch, At which time I told her was illegal and that I expected to have the XXXX dollars of the reward monies put into my rewards account by the XXXX of XXXX 2017. I  then reiterated that I was going to report them to the CFPB. Thank you for your time in looking into this matter. last four XXXX XXXX XXXX XXXX XXXX, USA ( 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 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a dispute with XXXX and TransUnion last year to remove a paid tax lien along with supporting documents, they did not remove the lien. On XX/XX/2017 I called XXXX and Transunion due to the new law in effect XX/XX/17 re : tax liens, i was advised by the reps at each CB that the tax lien would be deleted from the file by the end of XX/XX/XXXX because under the new law any public record data must include name, addr, dob, and ssn in order to be reported and mine is missing the ssn. The CB has not updated my file as of today XX/XX/2017.

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 2017-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I had two auto accounts with American Honda Finance in the past. Despite the fact that I never missed a payment on either of these accounts, Honda is reporting that I had multiple delinquencies over the course of the accounts ' history. This incorrect information being reported to the credit bureaus, as I always made timely monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My name was put on the student loan application of my adult son without permission. I have notified Navient of this for years, and supplied affadavits of my signature, etc., written documents noting identify fraud. However, they continue to harass me continuously sending threatening letters, calling my office of employment and leaving messages on a non-secure phone line about my delinquency and threats of dire consequences. Navient has passed on information about the debt to people who answer the phone at my employment. This is in violation of the FTC Fair and Equitable Credit Act. Navient calls repeatedly after many instructions not to call me at work or at all. This has been going on for 6 years. Navient apparently is now notorious about their illegal tactics used with many consumers and I understand under investigation by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is regarding my American Express business gold rewards credit card.
I met the spending requirement on XXXX 2017 ( {$5000.00} spending within 3 months for XXXX  membership rewards points - spent total of {$5400.00} ).
American Express is refused to award the points because it insists I called in to " cancel my membership rewards account, '' but I NEVER contacted AMEX regarding this account in any way. When I spoke to an AMEX membership reward representative about it, there was indeed no record or proof of this, so they said they will credit the account of the XXXX points in 8-12 weeks.
I contacted customer service mid-way just to check progress and a representative named XXXX told me it will definitely be credited. It has been 14 weeks and AMEX has n't credited my account.
I contacted AMEX again and was told the exact same story ( that it wo n't be credited because I cancelled my account ) and that they will try escalating the issue to have it investigated. But it was ALREADY investigated and I was ALREADY told that it WILL be credited ( twice! once by membership reward rep via phone and once by the customer service rep via the chat function ).
I am sick of having to go back and forth about this. I have met the terms of the contract and AMEX admitted to making the mistake about me cancelling the membership reward account and that they will credit my account for the XXXX - I just want what they said they will do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P.
State: NY

Complaint narrative:
This was a bill with XXXX XXXX XXXX, when I shut it off I made arraignments to pay it off threw XXXX XXXX XXXX took over and I continued to pay, XXXX gave it to collection company XXXX XXXX XXXX in XXXX Tx on XXXX XXXX 2017 the cashed check # XXXX for XXXX dollars on XXXX XXXX 2017 they reported to credit beau that I was too months behind this is a case of fraud I called up the company and they told me they see the payment some thing has to be done with these people.The out  standing balance was XXXX which I paid in full.

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 2017-08-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: WA

Complaint narrative:
Hello! I have an account that was sent to collections at XXXX XXXX. Unfortunately, they are in violation of the FDCPA for a couple of reasons. First and foremost, it is my understanding that I am entitled to a written notification within 5 days of first contact from the collector of the amount of the debt as well as my right to dispute. I have not received that information. I verified via telephone that they have my current mailing address. I was also not informed over the phone of my right to dispute. They are also guilty of repeated phone calls. I received the first call on the XXXX on my cell phone. They immediately called me at work ( completely unacceptable!! ). I told them I would speak with them at a later time, when I could deal with the situation. I have clinically diagnosed XXXX, so I very much need some time to deal with difficult matters. They then called me again a few days later, against my instruction. I finally blocked the phone number for my own peace of mind, so I am unaware if they have tried to communicate further.

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