vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I cancelled my credit card with XXXX XXXX XXXX card by Citi in 2nd week of XX/XX/XXXX as I got a very suspicous call from Citibank that I think is very intrusive. They are asking how I made my payments and where the payments are from. 
. Because of the cancellation, they are forfeiting my 2017 money rewards of {$420.00} which I earned already before the cancellation. There was a misunderstanding and they are insisting that I agreed to forfeit the {$420.00}. 

When I requested reinstatement, they insist i have to do application like a brand new applicant and I would forfeit my {$420.00} rewards anyway.

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 2018-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2018 I notified Coinbase that I thought my PC was hacked. The next day I called them and also filled out an application which described how my PC was NOT hacked and that the Coinbase account was NEVER hacked. 
I requested that my account be reopened. 
Depending on who you speak to they ask you the same bloody questions ... did you fill out the four questions ... XXXX they are trained to mouth sympathy but do absolutely nothing! 
For the past month, the Coinbase representatives and supervisors tell me my account has been prioritized but can never give me a time frame when it will be reopened or even investigated. They also " agree '' that there is NOTHING to investigate!. They constantly send out robo emails thanking me for my patience! They all agree that I submitted the correct information AND my account was never hacked. 
They are completely unaccountable. They will not give you a id/last name. During this time period I've watched my investment decrease from {$9000.00} to maybe {$3000.00} Because I'm locked out of the account!. I encourage you to call these criminals and attempt to make them accountable. I would like the value of my account returned as of XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I initially sent a sepa transfer to coinbase on XX/XX/XXXX which they had received no problem they contacted me 7 days later stating that their was an issue with the sender being a third party source which was not the case as it was my bank account sending to my coinable account. on XX/XX/XXXX i received a email stating the money will be sent back to the sending account until this day i have not been contacted by coinable to get this issue resolved. i have sent them everything they need in order to refund the money to my account yet nothing has been sent and no response has been given to a number of emails. the amount was XXXX GBP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
If you could help me I would truly appreciate it. There are two XXXX XXXX XXXX XXXX reporting on my credit file that are not mine. I did not sign for them and even the name is different. They belong to my brother XXXX XXXX XXXX. My name is XXXX XXXX XXXX and the mortgages were opened under his name. His social security number is very close to mine the last two digits are the only numbers different. I have tried to dispute this with the bureaus and for some reason Experian is the only one that continues to report this under my name. I don't know if it's XXXX or if it's Experian but this is not mine and I have never lived at the address for which these mortgages were attached. These belong to my brother XXXX XXXX XXXX and not me. I am XXXX XXXX XXXX. I have also attached records showing the information belongs to him.

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 2018-02-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Please be advised that I am in receipt of your letter dated XX/XX/XXXX concerning the above captioned dispute.  By way of this signed letter, I will continue with disputing the above listed information.  On the evening of XX/XX/XXXX, I placed a take out order for two #5 combo sandwiches and two #6 combo sandwiches.  The merchant made a mistake by giving me two #7 combo sandwiches (see attached sales invoice).  Immediately, after arriving home, I called and informed the merchant, driving to make an exchange at the merchant was not an option as it is a 40 minute drive.  Subsequently, I received a phone call from the owner XXXX XXXX who was very sarcastic and condescending claiming they "rarely make mistakes", "I must be wrong" and that he records videos and voices of all his customers.  In fact, the same cashier who took my order, ran out the door after me to inform me that she forgot to give me my soup.The merchant sent a lengthy and wordy letter that basically proves nothing to the contrary, unless, the merchant can provide concrete proof and evidence that I as a customer placed the wrong sandwich order, than my initial dispute should stand as being correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A recorded message keeps contacting me and my family. Stating they need my address, they have been trying to deliver legal documents to me. The recording gives their clients telephone number to be XXXX and file number XXXX. This number is to XXXX XXXX XXXX XXXX XXXX is rude and abrupt. I have been receiving these calls since XXXX. I filed BK in XXXX. My attorney spoke to XXXX also. The claim in that Chase has hired them to collect on a credit card debt. I spoke to Chase. Chase states they have no claims against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC
State: KS

Complaint narrative:
waypointresgrp they keep calling but will not give me any information. they want my ss number and I will not give it to them. they want my information but will not tell me what this is all about

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
I requested validation of debt on XX/XX/XXXX from PINNACLE CREDIT SERVICES , LLC Address : XXXX XXXX XXXX, XXXX, SC, XXXX Date Opened : XX/XX/XXXX Amount of debt : {$300.00} In my validation request. I requested " Original Account-Level Documentation '', Purchase Contract and Reasonable Investigation. I asked creditor to verify name on original contract, address on original contract, date of birth on original contract, and signature on original contract. 

I also informed creditor to please investigate but Creditor refused to provide reasonable investigation and original account-level documentation. Creditor sent me a letter demanding I file a police report, sign a affidavit, and contact the original creditor for the original contract. 

Creditor continue to report this collection on my creditor report without account-level documentation, purchased contract, and reasonable investigation. Creditor falsely informed my credit bureaus they verified debt. Creditor violated same rules as XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, AND XXXX XXXX. XXXX ADMINISTRATIVE PROCEEDING File No. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
On XX/XX/2018, I received two text messages with attached voicemails from my mother and my mother inlaw stating that they had received phone calls from Navient stating that someone was looking for me or if they happened to know how to get a hold of me. They also stated that I listed them as a relative on my private loans. I do not live with either of them nor have I listed their phone numbers on my account for references etc. They have continued to call my family members looking for me as well as my husband. I have already filed a complaint about Navient previously and am still awaiting a response. I continue to pay as I am supposed to yet they continue to call. I have told them not contact my family members as they have nothing to do with this situation and it is a private matter, but they continue to do so. This is harassment in the state of Colorado and should be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX BANK OF AMERICA made attempts to collect on a bankruptcy discharge zombie debt. On XX/XX/XXXX the debt was discharged and BANK OF AMERICA was notified by the the BANKRUPTCY Clerk and i of the discharge. Yet BANK OF AMERICA continues to infringe on my rights and entitlements afforded to me by the BANKRUPTCY discharge. My property is exempt under the BANKRUPTCY exemption rules and Homestead act.

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 2018-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I called Bank of America on XX/XX/XXXX to ask them if I can deposit a third party check into my checking account, they asked the amount {$2000.00} and if I had ever had a check deposit return and I said no and I was told that I could deposit the check as long as it was endorsed by the third party. I deposited the {$2000.00} dollar check into my account on XX/XX/XXXX as instructed, the check was made out to my neighbor and he endorsed it and wrote deposit to # my account number. On XX/XX/XXXX I wake up to find out the check deposit was returned and now I am being charged a bunch of fees 4 {$35.00} overdraft fees. This is a deceptive practice becase I was given incorrect misleading information. I am also a military veteran and single father of XXXX kids, I called Bank of America and they offered no help, they expect me to be overdrawn without gas money or food for 10 days while I wait for snail mail to send me a legal copy of the check. Bank of America offered me zero help, and only offered me an empty apology. They are not willing to waive fees even though they advised me their own employee gave me incorrect 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 monetary relief
Consumer complaint received 2018-02-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
We applied for and opened two credit card accounts with Bank of America as a result of a fraudulent transaction. We own a time share in XXXX ( XXXX XXXX XXXX ) and were touring a different time share property. We declined to purchase the other time share but were referred to another area of the company where they offered to purchase our time share in exchange for joining their membership club. We were told they would purchase our time share property for {$39000.00} if we paid {$13000.00} for the membership via applying for an XXXX XXXX XXXX signature card through Bank of America. 

We agreed to this transaction solely on their promise to purchase our time share property. We kept up with our side of the agreement by applying for and receiving credit accounts to charge for the {$13000.00} membership fee and providing them with the contract/proof of our ownership of the timeshare. However, after several weeks where we received no further communication with the company and after several telephone calls and email attempts to contact them, the purchase of our time share never happened. 

We believe that Bank of America participated in this fraudulent activity by providing the credit for payment of the {$13000.00} membership fee even though the time share company never had the intent of purchasing or time share property to start with. 

Details : Date of Transaction : XX/XX/2016 Company : XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX Credit Card - XXXX XXXX XXXX signature card via Bank of America

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME

Complaint narrative:
XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Service. When I was ready to pay my monthly payment, Carrington sated that my loan was " not yet in the system '' and I would receive " a welcome packet ''. I never received a welcome packet and my first correspondence with Carrington was a delinquency notice for the two months in which they were unable to accept a payment, plus a third. I made payments but got behind when I was in the hospital and lost work, the house froze and then flooded when thawed in this bitter Maine winter. I received a Notice to Cure but Carrington won't apply funds they have and won't accept any payments. Clearly, from the beginning, Carrington intended to take my house and the equity I built up over the past fifteen years. When the loan was sold, there were no late or missed payments to XXXX  XXXX XXXX. Carrington engaged in unfair business practices intended to set up the homeowner, me, to fail. The house is on the market for sale and Carrington will be paid in full, but I do not want it to go to foreclosure and lose all my equity.I 'm selling because I will be moving for work, but I don't want anyone to have to deal with Carrington Mortgage. I want to get caught up but they will not accept a partial payment or a principal payment and interest separately, or apply payments already submitted. this is unfair, cruel, and does not let people get caught up ; and, they set it up that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: SC

Complaint narrative:
Not my Loan?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Last year in or around XX/XX/XXXX I opened and account with the XXXX XXXX XXXX for my son. This account was open temporary because in order to have an XXXX you must have a major carrier. Then my exwife will pay my son cell bill. I call XXXX XXXX XXXX and told them that I want to change the plan from month to month and then I canceled the account. XXXX XXXX XXXX kept sending this bill for {$50.00}. I DO NOT OWN THIS COMPANY ANY MONEY. 
collection agency ( Credence XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Case Number : XXXX Merchant : XXXX XXXX XXXX Date of Transaction : XX/XX/XXXX Disputed Amount : {$27.00} Please be advised that I am in receipt of your letter dated XX/XX/XXXX concerning the above captioned dispute. By way of this signed letter, I will continue with disputing the above listed information. On the evening of XX/XX/XXXX, I placed a take out order for two # 5 combo sandwiches and two # 6 combo sandwiches. The merchant made a mistake by giving me two # 7 combo sandwiches ( see attached sales invoice ). Immediately, after arriving home, I called and informed the merchant, driving to make an exchange at the merchant was not an option as it is a 40 minute drive. Subsequently, I received a phone call from the owner XXXX XXXX who was very sarcastic and condescending claiming they " rarely make mistakes '', " I must be wrong '' and that he records videos and voices of all his customers. In fact, the same cashier who took my order, ran out the door after me to inform me that she forgot to give me my soup. 

The merchant sent a lengthy and wordy letter that basically proves nothing to the contrary, unless, the merchant can provide concrete proof and evidence that I as a customer placed the wrong sandwich order, than my initial dispute should stand as being correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: AES/PHEAA
State: MS

Complaint narrative:
I do not believe this loan belongs to me. My identity has been stolen and this information must be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Since XX/XX/2018 i have been charged an excessive amount of bank fees, in the amount of $XXXX dollars. Some of which were not caused by personal error, as well as some caused by account minipulation on behalf of the bank. Flip flopping transactions day to day to cause a bank fee is common practice. I changed my mortgage payment, through XXXX XXXX, to come out the XX/XX/XXXX instead of the XX/XX/XXXX. XXXX XXXX made a mistake and withdrew the mortgage on the XX/XX/XXXX causeing a domino effect of bank fees. I was able to have XXXX XXXX retract the withdrawl, but citizens bank will not return the charged fees on my account. I am opted out of overdraft "protection", so the only method i can incure a fee is from a preauthorized debit or check. With that said, Citizens bank minipulates my account activity to cause a negative balance to charge me a fee. This has happened to me before by this bank, and they have previously returned fees to me, but refuse to return the fees now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-06 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: MS

Complaint narrative:
I do not believe this loan belongs to me. My identity has been stolen and this information must be removed from my credit file.

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 2018-02-06 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I do not believe this loan belongs to me. My identity has been stolen and this information must be removed from my credit file.

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 2018-02-06 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: D2 Management LLC
State: NY

Complaint narrative:
D2 Management called about a debt on a bank account that was incurred over 11 years ago. They violated the FDCPA rules regarding disclosure by disclosing the last 4 digits of my social security number. Further, they are pursuing a debt against me solely when this particular bank account was a joint account with my husband. They also insinuated that my credit would be adversely affected if I did not pay this balance. I have this recorded on my phone and can provide proof of it if needed.

Company response to consumer: Closed with explanation