vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
For Forster & Garbus LLP, a New York Law Firm, XXXX XXXX XXXX, XXXX, Ny XXXX, I have been paying {$150.00} every month since XX/XX/XXXX or XX/XX/XXXX, on time, on their website. Last month they threatened to take me to court! I talked to a manager they apologized ... this month another threat. First they tell me please disregard the lawsuit then they say they are going to sue me for non payment. The amount due is not being subtracted from my monthly {$150.00} payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Early in XXXX I paid a vendor who submitted the payment as a cash advance. The amount was around {$31.00}. In XX/XX/XXXX I made 2 payments totaling {$1200.00} to Capital One which should have paid that small advance and stopped any cash advance interest. As of today I am still being charged for that cash advance in the highest rate of interest on the account. I called and spoke to two separate individuals requesting that they stop changing me that interest and they both said NO. The amount is small only about {$4.00} total but the fact that they have not abided by the CARD Act and used that very large payment to pay off that cash advance is not right. It is my understanding that any amount paid over the minimum payment due should be applied to the highest APR items on the account. Capital One should give me back the interest I paid since XXXX on the cash advance and apologize for not abiding by the requirements of the CARD Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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 — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: MI

Complaint narrative:
Hello - Two years ago I went through a divorce. As part of the divorce settlement my ex-wife was given one of our cars that we had a loan on. It was a joint account through Honda Financial Services. I asked my ex-wife to remove me from the account though she never did. She changed the mailing address for the account and login information online, so I was unable to access the account. The loan was nearly paid off, so I did n't worry about it too much. In XXXX of this year I got a notification from my credit monitoring service that the account was over 30 days past due. I contacted my ex-wife and she said it was due to a change in her billing account and fixed the issue and paid off the outstanding balance. 

Still as a result of this I now have a 30 day late payment notice on my credit report. My credit score took a hit as well, dropping from XXXX to XXXX. 

Recently, I contacted Honda Financial to explain the situation and inquire about having the negative mark removed from my credit report. Since I no longer had access to the account online and my ex-wife updated the mailing address to her new address. I received no notice of a past due balance. Honda said they were sympathetic but unwilling to remove the mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I have always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice in 30 days that they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.

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 2018-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I made a wire transfer to Coinbase XXXX days ago. I contacted my bank the XXXX XXXX XXXX, which I believe is the XXXX XXXX, but they both claim the money went through a long time ago. I submitted multiple inquiries through email, twitter for days but no one replied. I tried to call them but they said they could not handle money transfer through the phone or do not even pick up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: K A P S & CO (USA) LLC
State: MS

Complaint narrative:
I have talk to them on the telephone and they calling block numbers on my phone so they can get in touch with me and I told I'm not working and no incomehow I can I send money on aold bill couple yearsback don'tthat make sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: WA

Complaint narrative:
At the end of my loan ( XX/XX/XXXX ) I made my final payment and thought everything was done and over with. Then I see on my credit report 4 months later that my account wasnt listed as paid in full but listed as a charge off for {$40.00}. Resulting in my credit score tanking by 115 points. I called Westlake financial XX/XX/XXXX to find out what was going on and they said that they texted me in XX/XX/XXXX that there was a balance due. And that its my fault the account was charged off because I ignored the text message. My auto loan was for {$10000.00} and I paid 24 % interest for 4 years never missing a payment, and always on time. And now there is nothing I can do about my account being listed as a charge off for {$40.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
I have been struggling to pay my mortgage since my marital separation in XX/XX/XXXX. I have been trying to work with XXXX XXXX to save the home my XXXX daughters and I live in since that time. I have been working with a housing XXXX since XXXX and have applied for a loan modification. Every time I, or the housing counselor call, we get a different person that gives us different information. The housing counselor has been in the mortgage industry for 40 years, and says this is the worst company he 's ever dealt with.We were told twice that the loan modification pkg was complete ( most recent being XX/XX/XXXX). On XX/XX/XXXX, I recieved notice from XXXX XXXX that our home was sent to foreclosure that they have NO RECORD of us being in the modification process.XXXX XXXX gave me an option to make ONE full payment by XXXX to " slow the forclosure process down '', and when I called on XXXX to make the payment, they refused..demanding 3 payments. Every time we submit a document, they either misplace it or " do n't have it ''. We send it again, and they ASK FOR SOMETHING ELSE. They are rude, unorganized, unprofessional and confusing. I served 12 years in our military and have asked them repeatedly for help. Their most recent excuse are the natural disasters in California..I feel as though they are deliberately timing out the clock so that we lose our home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied and got approved for a business and personal Chase XXXX XXXX Credit Card in XXXX of 2017. At the time there was a promotion that stated I would receive XXXX miles for any friends I referred. 
I referred my mother the same month and she also opened a business and personal XXXX credit card. About two weeks later after she opened her credit cards, I called Chase customer service to see if my referral points had been issued. The representative stated that it would take a few weeks before I saw them reflected on my online mileage statement. 
Months passed and I finally got around to reviewing my mileage statement earlier this month and realized 8 months after I referred my mom my mileage had yet not posted. I called Chase again and they stated that the original representative had not informed me correctly, and that in order to receive the referral, my mom had to use a special link which would then link me to the referral. I explained to her that I was not told that by the original representative and the current representative acknowledged that there were no notes on the system from the original representative advising me of the process. 
She then told me to contact XXXX to resolve the issue. I called XXXX airlines and after holding for over an hour I was informed that I needed to call Chase again because I was told incorrectly. Chase was running the promotion so they were liable for the XXXX mileage credit. 
I then called Chase again and escalated to a manager who apologize and stated he would request my mileage to be posted. A few days passed and I got another call from a Chase representative who stated that I would not be getting my referral mileage after all because my mom opened her credit cards on the same month as I did. 
I asked him where on their advertisement does it state that the referral can not open the credit card the same month as the person making the referral. The representative stated that this information was not on any of their advertisements and that legally they did not have to disclose the terms and conditions of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 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: CITIBANK, N.A.
State: CO

Complaint narrative:
On XXXX XXXX, 2017 I received a letter saying that my dispute was declined because my evidence ( opinion from second merchant ) was not as described or correct. I went back to the second merchant and received clear proof that what the first merchant ( the charge on my credit card ) did was wrong and not as described. It  shows that whereas the first merchant says they rebuilt the transmission, they actually put in an old transmission, which was the reason the transmission was shifting hard, which shows that the problems were caused do to the work performed by the merchant. This is clear indication that I was fraudulently charged for services I did not receive. 

I have tried contacting Citi about this but no one has contacted me back. I was told someone would reach out to me regarding this dispute, but no one did. Today, XXXX XXXX, I was told that call volume is too high. Citi is not supporting me in this difficult transaction, because the merchant broke my car and his faulty service left me without a car for weeks ; I lost a lot of money and the merchant did not perform the services he said he did. Citi has an obligation to support me because I am the customer. The merchant has deceived, lied, and defrauded me out of my money and citi needs to remove both of these charges for XXXX on the diamond preferred and XXXX on the simplicity card, because I have gotten the proof they have requested. This has been a long and tedious process and I would like for citi to not help the business rob 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 explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
A navient representative contacted me maybe 3 years ago stating that I qualified for forgiveness I submitted my XXXX information and my financial documentation for the year I received a letter in the mail stating that my student loan was paid off in full and then shortly after I notice my credit score kept depreciating after running a credit check on myself I found out that my XXXX was moved to navient and was being sent to an incorrect address so I paid {$450.00} to have this forgiveness and all it did was backdoor me and put me in a bed off situation with my creditors when they gave me forgiveness the first time they did n't need a medical excuse they just needed proof that I was receiving XXXX from the Social Security Administration after I realized that I did n't receive forgiveness in my loans were consolidated instead they now ask for a doctor 's note stating that I will be XXXX for the rest of my life because I am only XXXX even though I 'm not working in my field my doctor has hopes and wishes that I develop back into the workforce as a full graduate of XXXX XXXX XXXX I believe I do qualify for loan forgiveness due to the lawsuit that was held against XXXX XXXX XXXX I am reaching out for some assistance and help with relieving my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I have a problem I need help with please.

RE : netSpend ( AKA XXXX XXXX AKA XXXX XXXX XXXX AKA XXXX ) I deposited {$40.00} to my pre paid card and emailed them the requested documentation ( Drivers License & Social Security Card ) and they refuse to make the funds available for my use. 

I do not have a lot of money your help would be much appreciated. 

Can you please ask them to stop being a XXXX? 

Thanks! 
XXXX XXXX XXXXXXXXXXXX FROM XXXX : Question : Is NetSpend a legitimate company? 

The answer is no, NetSpend is a legitimate prepaid debit card company. ... As a company, NetSpend was founded in XXXX and now serve over 10 million customers. If you 're on the fence about trusting one of these prepaid debit cards, that should help build confidence. That being said, NetSpend is not cheap.XX/XX/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 2018-01-22 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: KEYCORP
State: DE

Complaint narrative:
Received unsolicited XXXX with activation instructions at residence on XX/XX/18. Appears to be a legitimate card. Have not applied for any additional cards from any banks in over 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have contact this company at least 2 time about this company XXXX XXXX XXXX Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX /XXXX XXXX XXXX/ nowXXXX XXXX XXXX still XXXX XXXX XXXX I have tried and my attorney has written a letter to Experian as well as your company Payment Status Details Balance {$510.00} Public Record Summary Public Records 0 Yet i recieved a report for credit from EXPERIAN that there is a Public Record that not true Experian is giving false  accounts of Public Record

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 2018-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: IN

Complaint narrative:
In the mail we received an offer to open a Key Bank checking account and begin our auto deposits. Have {$500.00} deposited in 60-days and receive the bonus. 

We did everything we were asked to do and never received the {$400.00}. The local branch manager kept telling us was just delayed. After about 90 days he sent it to a Vice President in XXXX that said the terms were {$1000.00} in deposits. I sent them a copy of the offer we received and they simply wo n't live up to their advertised offer. 

Criminal in some countries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I just received my results from Transunion CRA and my results against XXXX XXXX   XXXX are still being reported on my credit report Transunion started investigation on XX/XX/XXXX today is XX/XX/XXXX the results are still the same I dont know what kind investigation they did but its a poor one I started back in XX/XX/XXXX disputing this company XXXX XXXX XXXX I wrote letters to them I wrote letters disputing with Transunion according to section 609 of the FCR a if there is not a original signed contract you have to delete the information from the credit report this company does not have any information on me with an original signed contract nothing with my signature on it I am putting in another complaint against Transunion and XXXX XXXX XXXX with CFPB. I informed Transunion that they had my sisters name on my credit report, I will continue to put complaints in until this matter is resolved. I have documentation on an account that XXXX XXXX is reporting that is deleted Ive shown them this information as well as all three CRA. Im fighting for every consumer that has issues with XXXX XXXX XXXX ... Im not done! This complaint is against TRANSUNION

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 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The balance that is shown from my charged off XXXX loan is incorrect.

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 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The balance that is shown from my charged off XXXX loan is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The balance that is shown from my charged off XXXX loan is incorrect.

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 2018-01-23 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: IL

Complaint narrative:
I checked my score and have seen that there are 17 plus hard inquiries on my score from creditors from which only few i recognize and have authorized only 3 creditors (XXXX, XXXX XXXX, XXXX / XXXX) rest all are not recognized and authorized by me.
So these hard inquiries should be removed from account. 

I tried calling Transunion but they said they won't take care of it and cannot delete these hard inquires.

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 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Today, XXXX XXXX 2018, I checked my credit report to inquire about a recent credit inquiry that I did not authorize. The creditor was Equifax. I tried calling their customer service, and was told to call another number that was invalid. 

I then tried to resolve my information online, but their website claimed my information was incorrect so I was unable to access any information or help. I tried calling a different number on their website to access their fraud department, but was met with an automated message that was entirely unhelpful. 

I called their customer support line again, explained the situation and how I needed to speak to a supervisor. The representative told me there was nothing they could do besides giving me the same number I had called before, providing me with no more help.

Company response to consumer: Closed with explanation