vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Action Revenue Recovery, LLC
State: LA

Complaint narrative:
I initiated a dispute with XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company Action Revenue Recover. Action Revenue Recover placed two collection accounts on my XXXX credit report. One account amounting to {$66.00}, and the second account amounting to {$62.00}. I have not been contacted via phone or mail regarding these debts, therefore I have no knowledge of these accounts. Upon finalizing the initial dispute, XXXX responded with a copy of my credit report stating that the accounts in question were verified by the creditor. Action Revenue Recover did not provide any documents or evidence to verify the account, but instead XXXX kept these accounts on my report. I initiated another dispute to XXXX in XX/XX/XXXX asking again for proper validation of the debts, but instead of verifying the debts, XXXX reported the debts by responding with a copy of my credit report stating that the accounts in question were verified by the creditor. Again, Action Revenue Recover did not provide any documents or evidence to verify the accounts, but instead kept these accounts on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I HAVE A COMPLAINT PENDING UNDER CASE NUMBER XXXX. I AM REQUESTING THAT YOU ATTACH THE UPLOADED DOCUMENTS THAT SUPPORT MY CLAIM THAT THE CHECK SUBMITTED INTO MY ACCOUNT BY XXXX WAS NOT FRAUDLENT AS CAPITAL ONE HAS STATED. I AM REQUESTING THAT MY ACCOUNT BE REOPEN ASAP AND MY FUNDS RELEASED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: CBM Services, Inc.
State: MI

Complaint narrative:
This complaint is against CBM Services re acct number XXXXxx. I send a letter requesting proof to this debt Early XX/XX/XXXX to confirm if its one mine and also valid and validated. CBM Services did not validate the debt they instead sent improper verification. It was requested that CBM Services send me : Construct with my signature from the provider of service of me releasing my information to them. Also for them to cease any reporting to the bureau until this is resolved. 

Instead they are reporting on my report with a date of service XX/XX/XXXX which is also incorrect. There is false reporting in an attempt to collect a debt that has not been reported and I will proceed with reporting to my attorney general and the XXXX. This account needs to be removed immediately for falsifying information and failing to validate an account with a signed contract. Remove this account immediately from my credit report. 

I have enclosed a screenshot of what they sent back which also shows a DOS difference adding to my falsifying documents mention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I have invested some US Dollars into some crypto currency, on an exchange called Coinbase/XXXX. They are both the same company. I can not access my coins in my XXXX wallet. Every time I try to login to my account on the exchange it reads " An Error occurred. Please Contact XXXX support. '' I have contacted support many times, but each time they claim to have submitted this issue to a specialist and they will get back to me supposedly, but I still have no reasonable resolution, after more than 2 weeks. I have both some Bitcoin and XXXX   which I would like to take out of XXXX at this time. However, Coinbase/XXXX will not allow me access to the coins. My coins are being withheld from me without my consent at this point. The issue started when Coinbase pinged my credit card multiple times for a purchase I made. This for some reason caused their system to refund my credit card, the purchase amount by accident. The company had a balance due to them because of this error, and has been paid, by me in full. There is currently no balance due. They promised to return my coins, when the balance gets paid, but they have not held up to this promise. My Coinbase case # is XXXX, and my funds have been frozen for an unreasonable time with no explanation at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have been disputing a transaction with XXXX regarding a purchase that I am 100 % completely DISSATISFIED with for almost a year now. I have filed a " claims and defense dispute '' and they refuse to follow federal guidelines and the guidelines on their own credit card disclosure. 

I have tried to successfully resolve this matter with merchant, and also have witnesses. 
I have purchased it with their credit card. It was purchased within the 100 miles distance stated on their disclosure and the federal guidelines. 
It costs more than {$50.00} - ( ACUTAL PRICE : {$2800.00} ) I have provided XXXXy with over 200 pages of supporting documentation and they have just been over looked as if they meant nothing. 

It states under FTC and federal guidelines for a claims and defense dispute - billing rules do not apply.The dispute should be addressed as a claims and defense dispute and be opened regardless if there is a contract or not. 

" You can request a chargeback under the claims and defenses provision for any legal reason you have to cancel a sale directly with the seller, including if there's a problem with the quality of the merchandise. You have up to one year from the statement date to make a claim. You must meet four requirements : The disputed amount must be over {$50.00} ; you must be able to prove that you made a good-faith effort to obtain a refund or credit directly from the seller ; you can dispute only up to the outstanding balance on your card ( if your balance is zero, you can't use this provision ) ; and the merchant must be within 100 miles of your home and in your home state. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Bought a new car from Santander consumer USA as financing company. The car was taken by the city of New York for {$350.00} parking ticket. When I decided to payoff the ticket, the ticket amount was increased to {$3500.00} out of desparity. I called Santander consumer USA and made an arrangement to pickup the car for the {$350.00} which was XXXX and reasonable. Santander and I agreed that they will void the financing agreedment in place and I have to buy the car back at the same prevailing price as a repurchased. That, the original contract will be voided without any commitment. And, a new contract will be executed moving forward. They got the car from the city of New York and I signed and sent back the current attachment. The term was, pay {$150.00} on XX/XX/16 pick up the car with same amount. A new purchase contract was never provided as required by Federal Truth in a Lending and Billing Disclosures act. I had issued a check that the bank had returned with put any reasons. Santander consumer USA stole the  car from my driveway the same day without any legal warning or been inform by return check. I would have provided an alternate payment and I had overdraft protection with my bank. The Federal law states that I have sixty days to dispute a debt. The original contract was voided and a new executed contract attached was provided which I signed and perfected to. There was no repossession clause and late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: CARD Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, I received my income tax refund on my pre-paid card which was issued to me by " XXXX '', who is represented by the XXXX XXXX XXXX XXXX XXXX. Upon receiving my tax refund that very same day of XXXX XXXX, one of the first purchases I made was an ONLINE purchase with the store " XXXX '' in which I purchased 3 pairs of shoes for a total amount of {$210.00}. Due to XXXX 's own reasoning of being unable to confirm with XXXX, the details of the purchase made, the order was then cancelled by the merchant. I was made aware of this minutes after it happened. I then got in contact with the merchant on XX/XX/XXXX and got the details explaining why my order was cancelled and was also advised that the amount would be returned to my account within a reasonable period of time ( 3-5 business days/24-72 hours ). After patient for over 2 weeks I then called the merchant " XXXX '' to follow up on the refunded amount on XX/XX/XXXX. The merchant then advised me they were going to be sending a fax over to the my financial institution advising them that they were releasing the funds on their side as of XX/XX/XXXX. The same day I received an email confirming they had already addressed the issue with XXXX and the funds should have been credited to my account within 3 days and if I did not receive the amount I was to contact the financial institution. The same day of XX/XX/XXXX I spoke with a representative from XXXX who confirmed the reversal had indeed been initiated and was under review, awaiting approval to proceed with placing the funds back into my account & was told the time frame would be an additional 3-5 business days! On the 5th business day which was on XX/XX/XXXX I contacted XXXX once again because the credit hadn't still been applied to my account. To my surprise when I spoke to a supervisor the supervisor also advised me that the funds had been placed back into my account but I was unable to see the transaction because it was listed as a reversal and it would not appear on my list of transactions. I monitor this account daily and have been monitoring specifically for these funds to be returned and can honestly positively absolutely say that the return of the funds has not been placed back to my account and wish to argue this with the company even though they insist that the funds were placed back as of XX/XX/XXXX. If that were the case why is it the representatives I talk to after XX/XX/XXXX were telling me that I have to wait three to five business days before the funds appear in my account but then after that when  I attempted to investigate why the funds have not been returned they then advised me that they indeed had but had been done days prior to me even initially calling about the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian Credit Bureau has listed Tax Liens both Federal and State which are clearly inaccurate and fraudulent. They have indicated that the XXXX County Recorder of Deeds and the Court have provided them with the negative public  record as seen in my Experian Credit Report. The names of the court and of the Recorder of Deeds is seen on my credit report. It shows that the court and recorder of deeds provided Experian with the information. 
I have enclosed documentation which show the credit report as well as documentation from the court system that indicate that there is no reporting by them to any credit bureau. 
The problem is that none of the information is accurate. 
I know that Experian gets its public information from XXXX or another third party such as XXXX XXXX. They regularly collect public records information into their database and then sell it to the credit bureaus. It is a violation of the Fair Credit Reporting Act to report false information. It is also considered false information on my credit report by claiming to get information from a court when it is actually obtained from an unnamed 3rd party. Multiple letters were sent to Experian.

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 2018-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I appreciate the response to my original complaint : XXXX. I agree with everything in Mr. Cooper 's response ( attached for reference ) except the most critical point of my complaint and problem. Regarding the HAMP Tier II modification that was approved : 1. When I received the final modification package, the signature page included signing blocks for both me and my ex-wife. 2. I immediately called my  dedicated loan specialisXXXX, XXXX XXXX, and was specifically told that both signatures were required. I was working with a lawyer at the time and he was also told the same thing. I was unaware of HAMP Supplemental 09-01, XX/XX/2009 at the time. The Supplemental states " If a borrower or co-borrower are divorced and the property has been transferred to one spouse in the divorce decree, the spouse who no longer has an interest in the property is not required to execute the HAMP documents. '' Mr. Cooper had the divorce decree as well as the Quit Claim Deed that  clearly complied with the above language. Being told my ex-wife had to sign was clearly illegal. I have nothing in writing stating what I was told, but why would I make 5 trial payments if I didn't want to sign the modification. I am humbly requesting that the modification be reinstated. Or, if this is not possible, I request that similar terms be applied to resolve the current situation. I understand that the HAMP guidelines have  expired, however, I am hoping someone can apply some logic to this situation so I can avoid losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: DISCOVER BANK
State: AR

Complaint narrative:
I WAS CONTACTED BY THIS COMPANY THAT THEY HAD A BUYER FOR MY TIMESHARE BUT I HAD TO PAY XXXX FOR THE CLOSING COST AND THEN AFTER THAT I WOULD MAKE THAT MONEY BACK PLUS MORE. I SAID OK AND TRUSTED THIS SAID COMPANY CALLED XXXX XXXX XXXX ON XX/XX/13 SO I PAID THEM WITH MY DISCOVER CARD. AFTER PAYMENT WENT THROUGH I NEVER HEARD FROM THEM AGAIN. I TRIED TO CALL THE NUMBER THAT WAS GIVIN BUT NO ANSWER AND I LOOKED THEM UP ON THE INTERNET AND THERE ARE MANY REVIEWS THAT THEY ARE A SCAM FRAUD COMPANY. I CONTACTED DISCOVER CARD SINCE I USED MY CREDIT CARD THROUGH THEM AND LET THEM KNOW ABOUT THIS CHARGE AND THEY GAVE ME THE CREDIT AND THEN TOOK IT BACK AND CALLED ME AND SAID SINCE I DID TALK TO THIS SAID COMPANY AND I DID DO BUSINESS WITH THEM THEY CANT GIVE ME MY MONEY BACK. TOLD THE CREDIT CARD REP THAT THEY ARE A FRAUD COMPANY AND THEY SCAMMED ME OUT OF MY MONEY I AM YOUR CLIENT THROUGH DISCOVER AND YOUR NOT GOING TO BACK ME. DISCOVER REP TOLD ME TO CONTACT THE SAID COMPANY I TOLD THEM I TRIED BUT THERE WAS NEVER NO SUCH COMPANY. SO I AM NOW FILING WITH YOU AGAINST DISCOVER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/2018 I am complaining about Experian. This company sold me a credit reporting service promising I could cancel at any time. Well the only way to cancel is by telephone. When you call the required number they do not answer the phone. They put you on hold for 2 and 1/2 hours. Then when the promised time comes up, the phone gets disconnected so you have no way to cancel. 
Because of this I cancelled the credit card they had on file. Then Experian used there credit monitoring service to get payment from a completely different card that was not authorized to be used. Is that not illegal? To use their credit monitoring service to access a persons credit report. Use a credit card number that they are not authorized for payment and then take money!!!! This company is a a predator.

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 2018-03-15 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
back in XX/XX/2014, there was a discrepancy with my BOA account. At the time I was XXXX, and not fully aware of what happened. The bank never explained to me initially what happened all they said was that I owed them about $ 200/300. They had closed my account. They said if I paid them out in full then I could just open my account again, of course, THEY LIED! it was never explained to me what XXXX was. I actually did not even know until I tried to open up another account and was denied. I was furious. They said to get my credit report talk to the XXXX   people they can remove if I did a claim, they gave me the runaround and honestly, It frustrates me writing about this 4 years later and I still can not open up any type of account. Even places that don't use XXXX. I'm not sure what type of hold they have on my SSN, but it's going to cause me to be homeless ( I'm already carless now ). It's just one more year until it's off. But I need this to be lifted immediately, I paid them in full literally as soon as this happened and no one wants to help me, I've cried, screamed, yelled, I've even just not talked at all about it, this is by FAR the most emotional thing I have ever been through it's so sad that I am trying to build my credit and there is nothing I can do, I can't get approved for anything at all. Please I just want it fixed This is my final cry for help before a breakdown

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 2018-03-15 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA

Complaint narrative:
Someone called me. Said his name is compliment officer XXXX XXXX. He taking legal action against me. He has a warrant to arrest and take me to jail. He called my place of employment told my the same information. They said I have an outstanding payday with XXXX XXXX date XX/XX/2015. Wanted me to pay them {$210.00}. They threaten me here is there phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On XX/XX/2017 we received a Notice of Servicing Transfer for account # XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, with an effective date of XX/XX/2017. Per the law our present servicer ( Beneficial ) is required to send a notice at least 15 days before the effective date of transfer or closing. Given the time it takes to send and receive mail, we did not receive this notification until XX/XX/2017. Therefore, Beneficial failed to meet the time requirement of 15 days per the law. Therefore, the notice of servicing transfer for account # XXXX should be null and void and Beneficial should be fined the appropriate fine as per the law.

Company response to consumer: Closed with explanation