vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/18 I made a XXXX dollar purchase on coinbase. on XX/XX/18 my online banking shows it went through along with a XXXX dollar " international ATM '' fee. 

then at a later date it shows that XXXX refunded my purchase, and debited it again. This added ANOTHER XXXX $ fee. 

XXXX released a statement that said basicly the entire thing was visas fault. That people effected should contact t their bank for refund on fees. 


on XX/XX/18 ( today ) I noticed this and called US BANK. US BANK said they would waive the fee. they put me on hold. they came back and said it wouldn't let them waive the fee because " it's a charge from coinbase. '' and then can't waive it because it's coming from coinbase. 

coinbase release : https : XXXX I want my XXXX dollars. 


Not only that, but it's a joke that XXXX is saying coinbase is an ATM when the IRS lists crypto as an asset, and not currency.

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 2018-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am a XXXX XXXX for XXXX XXXX XXXX XXXX. For 10 years, I have been garnished for an uncollected debt which I have not received any information about the status of payments to terminate the debt nor what the debt is about. 

When contacting XXXX XXXX XXXX XXXX, I was given the following phone number XXXX. When I called this number earlier today it was disconnected. I then called XXXX the original debt collector XXXX and was told to try again as the number is now working. XXXX also gave me the names of XXXX XXXX and XXXX XXXX. When I called XXXX XXXX, he hung up on me. 

XXXX XXXX XXXX XXXX has closed this case and will be refund the last garnishment ; however, I am trying to receive a refund of any monies overpaid. This debt does not appear on my current credit report. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I lost my XXXX  job and since than I haven't been able to make two payments for my credit card, because the minimum payment is too high. If it was lower I would make the payments but as of right now I cant afford it.

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 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
XXXX  sent notice of Debt owed I called this company about the Debt to see what it was this was the first contact ever made by this company. This is a debt for XXXX XXXX. The original amount was owed in XXXX the first contact I received was on XX/XX/XXXX How can they collect this after 6 years and this is the first I am aware that it was even owed to them. The amount owed is XXXX they want to settle for XXXX I don't feel I owe this since they have never tried to collect this before.

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 2018-02-20 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: College Foundation, Inc.
State: NC

Complaint narrative:
The company is reporting adverse information to the credit reporting agencies ( XXXX, XXXX, XXXX XXXX XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.

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 2018-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
IMPORTANT TO NOTE : We are wintering in XXXX XXXX XXXX, AZ from XX/XX/XXXX to XXXX XXXX. After returning to XXXX, our address will be : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and our phone number will be : XXXX. Email remains the same. 

XX/XX/XXXX : My husband tried to withdraw {$500.00} USD from the CHASE ATM at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ with his XXXX debit card. ( I am joint on the account with him. ) He got a slip with the date, time, ATM address, last XXXX digits of his XXXX #, Term ID and Sequence # on it, no withdrawal amount printed, slip attached. HE DID NOT GET THE MONEY ; however, our XXXX bank shows the money withdrawn, bank printout attached. 
XX/XX/XXXX : I called XXXX Lost or XXXX, XXXX, spoke to XXXX. No help. Our bank needs to inquire. Phoned our bank, XXXX XXXX, Lost or Stolen, XXXX, spoke to XXXX. Need wait until XXXX XXXX opens Tuesday, XX/XX/XXXX. 
XX/XX/XXXX : Started the lengthy process of contacting our bank, receiving, signing and sending back an Indemnity Agreement, copy attached, and phoning and emailing back and forth with them, copy of communications attached. 
XX/XX/XXXX : Indemnity Agreement XXXX XXXX XXXX, received, signed and emailed back to our bank. 
XX/XX/XXXX : Emailed our bank to follow up. Our bank contacted their settlements ' department who has heard nothing from CHASE. 
XX/XX/XXXX : XXXX went to CHASE. They will not talk to him as he doesn't have an account with them. XXXX commented, " We've been having problems with our machine. '' Really? And they're still using it??? 
XX/XX/XXXX : Followed up with our bank again. She asked me to wait to file this form until she heard back from their settlements department. again. 
You will note in the attached document of email correspondence with our bank, something similar happened last year. XXXX was charged twice for one withdrawal. Our bank had some issues with Chase 's responses, and ended up giving us back the money with the provision : " If anything unforeseen happens, we will have to take the money back. '' We have no idea how long it took for XXXX XXXX to receive that reimbursement for CHASE 'S  error. 
XX/XX/XXXX : I heard back from our bank. Again, CHASE has not responded to them. 
It is astounding that CHASE does NOT respond. I was told last year that it can take up to six months to recoup money they have kept. 
We are hoping you folks can make them accountable for responding!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: National Credit Services, Inc.
State: NC

Complaint narrative:
I receive a letter in the mail XXXX XXXX about my student loans. The letter is dated for XX/XX/2017. The letter stated that I have 60 days from that date to respond and set up payments arrangements. I called the XXXX Department of education to try and set up payments but was told my load have been summited to the creditors : XXXX XXXX XXXX. I called and called several times to try and get in contact with them. Every time I call I wait and wait than I hear a number pressed and no one says anything and than the phone disconnect. I just wanted to set up my payments arrangements with them so this issue can be resolve. My total balance is XXXX XXXX XXXX XXXX XXXX number is : XXXX XXXX XXXX XXXX number is : 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 2018-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hi, I purchased a product online from an auto part dealer in XXXX. I sent XXXX USD to a XXXX XXXX working for the XXXX XXXX company through paypal. I received the product in XX/XX/XXXX and the product was not at all what was advertised. I was supposed to be receiving a carbon fiber rear view mirror for a XXXX XXXX however the company sent me this plastic mirror cover that was cheap and misleading. I was expecting to receive the whole carbon fiber mirror as it costed over {$80.00} and the company advertised it as a mirror even had a picture of the mirror as the advertisement. Anyways, I tried to come to an agreement with the seller and they would not respond when I asked for a refund with product return. So, I reported the seller to paypal and sent them additional supporting documents of my case and proof that this company is frauding consumers. Paypal ended up closing my case because they said I did not respond in time, which I did. I think it it ridiculous that they are letting this seller get away with fraud when they apparently are so addament about it. I just want my money refunded as it is the ethical thing for the company to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Financial Freedom, a branch of XXXX XXXX, in XXXX, Texas paid the real estate taxes for the last part of XX/XX/XXXX and most of XX/XX/XXXX ... as is their right ... on our reverse mortgage. We got no notification that Financial Freedom had paid the real estate taxes until we got a call on XX/XX/XXXX, followed by a letter on XX/XX/XXXX demanding the {$4600.00} by the end of the month or the company would start foreclosure proceedings. I tried to make a repayment schedule, but the bank used the excuse that we spent about {$120.00} more than my wife and I received from SSI ... approximately {$1900.00} and my " XXXX '' retirement fund of {$110.00} per month. 
Although we offered to send Financial Freedom {$500.00} per month, our offer was refused out of hand. This seems to be a case of " get rid of the reverse mortgage completely '' or a predatory practice. We are still willing to repay them {$500.00} per month, and we told them so, again by phone, but they still refused. I don't know where Financial Freedom got its financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My Bank of America credit card statement period closing date was XX/XX/XXXX, I completely paid off the balance on XX/XX/XXXX ( 2 weeks prior to the closing date ), but they still charged me interest for the period, even though the credit card agreement says if the balance is paid off before the statement closing date there will be no interest charged. I called customer service and they are saying that that only happens if the balance was paid off for the last 3 statement cycles, witch doesn't make sense.

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 2018-02-20 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XX/XX/XXXX, I began to dispute accounts on my credit report as included in my Chapter XXXX. Most of my accounts were updated properly however, I continued to have a few accounts that were not corrected. One account, in particular, would not update correctly as included in bankruptcy. It continued to update as a collection account after filing bankruptcy. I filed Chapter XXXX on XX/XX/XXXX. As of today, XXXX XXXX is included in the bankruptcy and the account is closed. However the reporting is still incorrect, the date on the report reflects as a recent status update and is incorrect. All of my other tradelines are reporting correctly and the activity date never changed but this one did and is report erroneous. Please change the activity date back to the original date of bankruptcy filing. The date on my report is incorrect as it was not a collection account at the time of that update.

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 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: IA

Complaint narrative:
On XX/XX/XXXX a relative of mine opened an account in my name for XXXX XXXX in XXXX and at the time i was staying in another state so didnt know until i started getting letters in the mail from a collection agency which was CCI. I stayed they a while before but moved back to the state i was staying in. The account was opened in XXXX at the time i was staying in XXXX. I called CCI on XX/XX/XXXX which is the collection agency the debt was sold to and i told them that it was a fraudulent account and i had sent in my lease from then and also my police report stating i had identity theft and he didnt understand how it came back as its a validated account. He seen the address where the services were started and also had a wrong address on file for where i stayed which was XXXX, XXXX and ive never lived in that city. Like i stated i stayed in another state. It was a family member who got the account and i dont want to press charges but i got the police report stating it was identity theft. The man insisted that i make a payment on this fraudulent account and i refused to do anything else further including letting me speak to someone of higher authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
A bankruptcy is showing on my credit bureaus of all three major credit bureaus although the filing was cancelled the same day and therefore it was dismissed with a XXXX balance. 

I have disputed this mater several times and it still shows on my bureau. It was not actually me filing. It resulted in fraud on my behalf. 

Experian 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 2018-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
XXXX XXXX XXXX, for the last two years my account has always been paid on time no late payment or issues on my end. However, XXXX XXXX XXXX, has closed my account inadvertently creating a problem on my credit reports an account as being stolen, when all I asked for was a replacement card. Now XXXX XXXX XXXX, after reporting my identity was stolen and used and being a victim of identity theft they immediately dropped my limit from {$4000.00} to {$360.00} creating a credit usage of 98 % literally overnight. I had to move all my accounts to another bank and waiting for my direct deposit to be transitioned. I asked for more time and they now keep repeatedly contacting me on a auto dialer. MY CREDIT REPORTS will reflect changes for a few months as I resolve the identity theft as other banks change out my cards and account information.

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 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2018 i went to a XXXX store to buy a sim card and the agent told me they have a plan for 4 for XXXX per month. When he asked for my social security number, I first asked him what for? He said JUST FOR THE APPLICATION. AND I ASKED HIM " WILL THERE be A CREDIT CHECK? HE REPLIED " NO. '' and again i asked if not even a soft credit check? ONCE AGAIN HE REPLIED " NO ''. Few minutes later i got an email from credit karma notifying me of a hard check while i was still in that store..i immediately complained. 
The rep called XXXX and I also called the same day to have them remove that, BECAUSE I CLEARLY STATED THAT I DO NOT CONSENT IN CHECKING THE CREDIT. XXXX SAID THEY WILL WORK ON IT AND I AM STILL SEEING IT ON MY TRANSUNION REPORT. 
XXXX TOLD ME TO COME ON THIS WEBSITE TO FILE THIS COMPLAINT AND IT SHOULD SPEED UP THE REMOVAL PROCESS.

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 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Around XX/XX/XXXX, I obtained a car from a buy here pay here lot named XXXX XXXX XXXX XXXX   in XXXX, FL. Which was my second vehicle through this company. I used them this time and the prior time because I didn't have the credit score needed to purchase at a normal car lot. So, I was referred to them by XXXX XXXX XXXX because was told that XXXX XXXX didn't base approval off of your credit score and the downside was they also didn't report payments made to your credit report. So I wouldn't see the benefit on my credit by buying a car through them but it would help me get a car that I desperately needed. So it was my understanding both times that I was approved based off of my income and employment history alone. The first car was totaled in a car accident and was paid off by my insurance company. This car was never reported in any kind of way to my credit report. The second car I returned in XX/XX/XXXX due to a very nasty divorce. My ex-husband had knowledge of the vehicle I was driving and it was in the best interest of my children to return the vehicle and he also had possession of the vehicle and would not return it to me. My ex-husband contacted XXXX XXXX and had them retrieve the vehicle from his work without my permission. I never received a call or letter from XXXX XXXX to make any kind of arrangements to get the car back or that I owed any kind of balance. I didn't even change my phone number until months later and my address change was completed with the post office immediately after me moving, so if letter sent it would of forwarded to my new address. Then this month XX/XX/XXXX almost one year since returning the vehicle they posted a negative closed account on my credit. How can they now report to my credit before 1 ) providing me with a statement showing the balance after sell of the vehicle 2 ) report after they never reported payments of information with either vehicle prior to this date 3 ) report a loan that was not based on my credit to begin with 4 ) never providing me with a notice of balance due and giving required dates to dispute the item or make payment arrangements before placing on my credit? 

I contacted them on XX/XX/XXXX and asked how this item was on my report and they stated they just began reporting to credit agencies recently. So how can the report accounts that are old and before this new process? I also asked for information on how I owed the amount on my credit and was informed that she thinks it was sold and that the company wrote off the balance years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: Nelnet, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on all 3 loans on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation