vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I opened an account with coinbase in order to purchase and store bitcoins. After purchasing bitcoins, I was able to safely store them in a digital wallet and, more securely, in a digital vault. 
In order to verify withdrawal transactions from the vault that I had created, I was asked to list a secondary e-mail address as confirmation. I have since lost access to this secondary e-mail address and have not been able to withdrawal my funds from the digital vault to my digital wallet on coinbase. 
I have e-mailed them numerous times asking if this issue can be resolved. In reply, I was told that they would be able to safely transfer my funds from my vault to my wallet and that they were working on the issue. It has been over 3 months now and I am still waiting for them to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I went into XXXX XXXX XXXX XXXX ( actual location listed below ) on XX/XX/XXXXto purchase a vehicle. At the time of negotiations, the dealership was informed I already had my credit ran by my bank XXXX on XX/XX/XXXX and had pre-approval for the amount I was looking to finance so there was no need to run my credit again. During the negotiations, the dealership advised they had a partnership with my bank and asked for permission to confirm credit approval with bank which I allowed but advised they did NOT have permission to shop my credit around to seek a better deal. All parties agreed and we completed the deal. Later I started getting letters from multiple banks/finance companies advising they checked my credit for this deal and I see on my credit report multiple credit inquiries have been added. This is definitely not what we agreed on during the deal and I'm disputing these inquiries. I went back up to the dealership which advised me that all I would need to do is dispute these inquiries with the credit agencies and they would not fight that complaint.

My original approval was given by XXXX on XX/XX/XXXX but the dealership was only allowed to partner with XXXX  since I already had pre-approval with XXXX  as of XX/XX/XXXXand they were informed.

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
a copmany called Ideal collections has been trying to extort me for XXXX   this is the 3rd complaint i am filing, someone used my identuty to rent an apartment, i have proved this was fraid, i have 3 police reports over the past 6 years the company wants the police to do a fraud affidavid or pay XXXX to remove this from my credit, as it states in the attached police report i am a victim of identy theft and the police do not have a fraud affidavid for me to fill out this document does not exist in any police dept as the police so ideal collections is trying to extorant and HAS placed this item on all my reports and will not take it off even with all the identity theft reports from police and IRS i need action ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
See attached documentation.

Summary :XX/XX/XXXX - Made a {$500.00} purchase online - 6 months / no interest.

XX/XX/XXXX - Received {$20.00} credit ( promotional offer for using card )XX/XX/XXXX - Made a {$2000.00} purchase online - 14.9 % interest until paid off XX/XX/XXXX - 15 minutes later, called Customer Service to see if transaction could be voided as I decided to use a 0 % offer from another card. Confirmed charge voided and I would not be charged anything, and that it would show as a debit and a credit on my statement.

XX/XX/XXXX - {$2000.00} credit for XX/XX/XXXX transaction posted.

XX/XX/XXXX - Automatic Payment of {$80.00} credited to account which was deliberately set so that the {$500.00} from XX/XX/XXXX would be paid in full within 6 months.

XX/XX/XXXX - {$2.00} interest charged in errorXX/XX/XXXX - Contacted Customer Service via online messaging portal to advise of error.

XX/XX/XXXX - Received response from Customer Service that did not address issue at all. Was not notified via email of the response, so did not see until XX/XX/XXXX.

XX/XX/XXXX - Automatic Payment of {$97.00} credited to account instead of the authorized {$80.00}, in accordance with terms that adjust payment to the minimum due if it is less than the automatic payment amount. This was done in error.XX/XX/XXXX - Replied to Customer Service.

XX/XX/XXXX - Sent additional message to Customer Service after I realized that the mistake made was that the {$2000.00} credit was credited in error to the open transaction from XX/XX/XXXX instead of the {$2000.00} transaction from XX/XX/XXXX. This was likely due to how the automated settings are handled when applying payments. At this point it was obvious that a human being needed to manually make the adjustment. The process is simple for anyone with proper training.

XX/XX/XXXX - {$4.00} interest charged in error XX/XX/XXXX - Received response from Customer Service stating that the matter had to be escalated to the Corporate Offices.

XX/XX/XXXX - Filed CFPB complaint as no action has been taken by creditor.

XX/XX/XXXX - Confirmed account online states : Your next Auto-pay Amount of {$80.00} will be processed on XX/XX/XXXX. However, based on XX/XX/XXXX error, will be automatically changed to {$97.00} without notice or authorization from me. This will be an error.

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 2018-03-16 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Hello, I have never had an account with XXXX XXXX They have reported a collections account # XXXX to all three credit bureaus since XX/XX/2016 for a amount of XXXX. I have submitted letters to three bureaus asking them to ask XXXX to validate, meaning send me paper with my signature on it and they have yet to send anything and its still reporting negatively on all three reports. THEY HAVE NOT SENT ME OR THE BUREAUS ANYTHING but a statement saying its mine with NO SIGNATURE. I have disputed twice this year. Every time I dispute XXXX results In more and more phone calls from their " Legal team '' which I am not to sure is a real legal team. They have threatened to sue me every time. Just this past month I contacted both the bureaus and XXXX XXXX trying to get this collection agency to send me proof that they have even have a license to collect in the state of Ohio because I've researched on that the secretary of state page and even spoke with a representative and they verified that they can't find a license to collect. When I called XXXX XXXX asking the same question they transferred me to their legal time. When speaking with the legal team they wanted me to make a payment before they went any further. THIS DEBT IS NOT MINE. XXXX XXXX DOES NOT HAVE A LICENSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: Rent Recovery Solutions
State: NC

Complaint narrative:
XXXX and XXXX Compliant Numbers were resolved acknowledging that Rent Recovery Solutions and Rent Recovery Solutions XXXX would be removed from my credit report completely. XXXX still remains on XXXX when it should have been removed. I have reached out to XXXX  no response concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
They called about my dead brother. He's been dead for years.

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 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: MS

Complaint narrative:
Keep calling about a debt they bought from the original creditor. I have no legal obligation to pay them. No contract is validated between myself and Diversified Consultant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I was sent unauthorized charges due to an XXXX error on XXXX 's behalf. 
Disputed the charges, resolved the issue. 
Due to the issue, I unlinked my card and closed my account in order to not have any more charges sent. 

Figured coinbase issues were solved so I sign up, verify identity, payment info ... and they will not unblock me to make purchases. I submitted tickets and were told I'd receive a message back in a few days with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX  refuses to respond to debt verification but continues to report unverified debts to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have applied for and closed on my residential mortgage loan with TD Bank. I was provided a loan estimate on in XX/XX/XXXX and again on XX/XX/XXXXand closing disclosure on XX/XX/XXXX without New York State and XXXX XXXX XXXX  property transfer taxes disclosed to me. Section E of the Loan Estimate was disclosed on all of these documents to be {$70000.00} which was sum of all transfer taxes. I received a revised closing disclosure on the evening of XX/XX/XXXX with {$27000.00} of property transfer taxes added. This was the evening before closing! I closed my loan onXX/XX/XXXX. This disclosure was provided less than 24 hours prior to closing. It is also my understanding that New York Real Estate Transfer taxes must be disclosed on the original Loan Estimate and can not be redisclosed ; and certainly not less than 24hrs prior to closing. This was a shock to see the additional required funds for closing and it amounted to {$27000.00}!!! I contacted my loan officer via email and phone on the evening of XX/XX/XXXX and again in the morning of XX/XX/XXXX before and during closing which was scheduled for XXXX. She would not respond to any emails and did not pick up/return my calls. I was forced to close under duress as this was a home purchase and I had movers already packing my current home and family in transit to the new property. My most recent contact at TD Bank was XXXX XXXX, Ops Manager ( XXXX  ) XXXX and XXXX XXXX  in Operations ; neither of them expressed any interest in addressing the matter. My attorney drafter a letter onXX/XX/XXXX to XX/XX/XXXX ( Chief Risk Officer ) and XX/XX/XXXX ( General Counsel ) at TD Bank at corporate headquarters with all of my supporting documentation and requested a prompt reply. It has been over a month and we have yet to hear back. I am livid that any lender, especially one of TD Bank 's size can operate in this manner. I was provided disclosures on the eve of my purchase transaction with an additional {$27000.00} out of the blue and when questioned, nobody would return an email of phone call. When i continued to request to speak to management, I was connected to a sales manager to told me TD Bank did nothing wrong and that's all they could say and would not elaborate. Absolutely horrible for TD Bank to operate in this manner! After speaking with my attorney, i understand that this type of transfer tax can not be added as a change or re-disclosure, again certainly not on the evening before closing! For a bank to disclose this large sum with no explanation at the very last minute is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
My identity was stolen to use to open Barclays XXXX  card I was aware of the opened in early XX/XX/XXXX. I contacted the company and agreed to pay the outstanding principle and asked to close down the account at time of payment. Fast forward, XX/XX/XXXX I received another statement from the company with a new balance. I immediately called to find out why theres a new balance and the account hasnt yet closed? The representative admitted companys error and said sir, youre not responsible for this. We ended the call. I assumed the company had failed to close down the fraudulent account I initially requested to be close back in early XX/XX/XXXX which led to additional activities on the card. At this point I thought the problrm had been resolved. Fast forward XX/XX/XXXX, I received a collection statement of unpaid balance from Barclays XXXX card. I call the collection and told them my story, the representative told me to call Barclays. I call Barlays and explained to them what happened and provided information to assist their investigation. I ask them one important question : why was the fraudulent account open after I made the full payment and requested it to be close in XXXX? Barclays investigative team couldnt answer the question and failed to accept their mishap and told me they cant provide further assistance to resolve this matter because the account has sold to collection agency, and I need to talk to collection agency. WHAT?!!! Im mad, disappointed and disgusted with Barclays.

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 2018-03-16 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: DE

Complaint narrative:
This problem is with Experian. They are reporting several accounts negative and balances incorrect. I do not believe they are verifying the information at all because if they were these negative accounts would have been cleared up. My XXXX  account has me negative 4 times the remark is i had a late payment. if they actually verified the information they would know i did not have a late payment i had a partial payment and have never been late. My XXXX  credit card account is being reported with the wrong balance and not saying closed and paid in full. My XXXX XXXX account is still saying I had two missed payments after the representatives told me otherwise. Yet and still Experian is not doing their job. Then their updating it which is causing it to remain on my credit even longer.

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 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: DE

Complaint narrative:
I received a phone call on XX/XX/XXXXregarding this debt. I attempted to offer a settlement and was bullied by XXXX XXXX. I informed her that I may be able to make a payment but was unsure. On XX/XX/XXXX, I called XXXX XXXX to inform her that I now had the needed funds and would like to make a payment. At that time she became verbally aggressive. Stating that she told me to pay a month ago. She used harsh language and her tone was much less than professional. I requested to be transferred to a supervisor and was told no. I requested again to be transferred to a supervisor, at that time XXXX XXXX said No I will not let you speak to anyone you need to make this payment in full today I asked why she was being so rude. XXXX XXXX then hung up on me. I called back and asked the person who answered the phone to speak with a supervisor. I was transferred to XXXX XXXX. Initially he refused to identify himself. He too became verbally aggressive. Im simply trying to pay my debt. I am not calling to be ridiculed or chastised by people who will not take the time to have a conversation and provide needed information. I was talked down to, yelled at, and hung up on. I have recorded all of the conversations.

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 2018-03-16 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: Pinnacle Credit Services, LLC
State: GA

Complaint narrative:
This account should be off of my credit. I payed the collection agency and we agreed to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Starting on XX/XX/18 over {$18000.00} has been stolen out of a TD checking account. This happened several months ago and we opened another account. We had over {$400000.00} in this account recently but moved most to XXXX XXXX. Thank XXXX. 
My husband went to a local branch in XXXX yesterday and they told him they froze the account and more money was stolen. 

They didn't even notify us in any way. 
When this happens with XXXX we get an immediate text. 
We are going away for a few weeks and want this money back asap. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
On XX/XX/XXXX I made two payments to my credit card account with Citibank, one in the amount of {$4000.00}, followed a few minutes later by one in the amount of {$1000.00}. Upon looking at my account later the next day, while both payments had been taken from my bank account, only the payment for {$4000.00} was reflected. I waited another day, calling on XX/XX/XXXX. At that time I was told by a representative that sometimes they have a hold for up to 7 business days before a " floating '' payment as my second payment was referred to, is applied. It is now XX/XX/XXXX, I have called Citi and my payment is still not applied. According to, XXXX, who I have spoken to, they are not sure when said payment will go through. What recourse do I have to force them to acknowledge payment and reflect that in both my payment history and my fee schedule, or simply get my {$1000.00} back?

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 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: AZ

Complaint narrative:
AFNI refuses to respond to debt verification but continues to report unverified debt to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am writing about claim id : XXXX. I had several claims that chase decided to group into one claim. Then they told me they did research and said the merchant provided the necessary documents to prove my claim was false. However, Chase did not provide any proof. I think instead of individually researching each claim this they were lazy and group them together. I think chase did not follow the law and incorrectly did not research these items. In doing so violated my consumer credit rights.

Company response to consumer: Closed with explanation