vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have disputed the account several times with Equifax. The account was deleted but some how placed back and I was not notified that it would be placed back onto my credit file. I understand by law that I should have had a five day notice that this would be placed back but it was deleted for fraud so it needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: Pinnacle Credit Services, LLC
State: GA

Complaint narrative:
Despite two written requests, ( XXXX XXXX XXXX 2017 and XXXX XXXX 2017 ) the unverified item still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the ORIGINAL creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY ORIGINAL documentation ( a consumer contract with MY SIGNATURE on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


As far as the amount of the debt, it is reporting two different amounts on the same account. {$520.00} and {$520.00}. Explain and DELETE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: URS Holding, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX has been calling my home multiple times per day for the past 2 months. I have asked them repeatedly to stop. Some representatives have hung up on me. Others have yelled and cursed at me. One representative told me right out that they would continue to call despite my request to stop the calls. The calls start first thing in the morning and continue right through the night. I submitted a cease and desist letter on their website advising them that I would take legal action if the calls continue. They still continue to call multiple times per day. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION
State: MD

Complaint narrative:
they blocked my account for no reason. This lady was being unethical and my son reported her and she is upset and place my account on hold for now almost 30 days for no reason. They have been provided all information and still have placed a hold on our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: AL

Complaint narrative:
I have tried to correct the issue with Experian I have submitted police reports and the account credit acceptance was deleted and 3 months later it was placed back on my credit.

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 2017-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, I sent a domestic wire transfer to Coinbase in the amount of XXXX. Coinbase wire info states wire transfers received by XXXX XXXX  are credited in that day received. The next day I attempted to call coinbase customer support. After being on hold for 1.5 hrs I talked to a representative that stated they could not help and directed me to their online support site to submit a request. 
On XX/XX/XXXX I received an e-mail stating the wire would be returned, and to expect payment with in 7 business days. As of today XX/XX/XXXX. I have not received any return of money and have sent other e-mails to coinbase support in time leading up to today. In addition, on XX/XX/XXXX. I called the bank where the wire transfer was destine for XXXX XXXX XXXX for assistance. They directed me to e-mail XXXXXXXXXXXX. As of today XX/XX/XXXX, I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Sunday, XX/XX/2017, I received an email from XXXX. XXXX is a credit monitoring/money budgeting service that I use to keep track of my finances. The e-mail they sent me was for a new credit monitoring alertstating that I had added an authorized user to my Capital One credit card. Only there was already a problem thereI have never even applied for a Capital One credit card. I was alarmed to say the least. I called Capital One using the general service phone number and the menu prompted me for either my card/account # or social security #. Because I have never had an account with Capital One, I tried putting my social security number in, followed by my birthday. To say that I was unpleasantly surprised when the machine responded with, I have found your account, would be an absolute understatement. I was LIVID. I grew even angrier when the machine told me the balance was {$14000.00} and that my next monthly payment would be due in the amount of {$300.00}. I was so confused as to how someone got my information, opened a card, charged {$14000.00} and got away with it. I have been taken advantage of. How come Capital One never sent anything to my home address regarding my account? What email were the alerts from them going to, if there were any? I have four credit cardsXXXX, XXXX XXXX XXXX, and two Chase cards. Along with that, I have a private student loan with XXXX XXXX XXXX, as well as a government loan. Finally, I have a leased vehicle through XXXX XXXX XXXX. I work full time for a mortgage company and have been here for the past 3.5 yearswe deal with credit and credit monitoring CONSTANTLY. To say that I am on top of my finances is also an understatement at best. I need this figured out because I have no idea how long this has been affecting my credit. I have pulled my own credit report twice in the past year and have not seen Capital One reporting, which is what also alarms me. Please do the research and listen to any calls and review any correspondence you have with mebecause unfortunately, it was likely not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Business Bureau
State: GA

Complaint narrative:
Approx. 6 months ago Medical Business Bureau placed several medical collection accounts on my credit report, negatively affecting my credit scores. I resolved the issue with the credit bureaus as this was my father 's debt falsely reported on my credit. The XXXX advised me that there was nothing that they could do to fix it and I would be on my own to resolve this with the credit agencies. On XXXX/XXXX/2017, XXXX once again filed a collection account on my XXXX for debt my father owed. I reached out to XXXX who once again advised me that I would be responsible for disputing this with the credit agencies. I explained that this is the second time that they have knowingly falsified information on my credit and the representative I spoke with stated that they did not give the credit bureau my information ... This is a violation of the Fair Debt Collection Act and is a malicious tactic to attempt to collect debt from my father. The XXXX has now compromised my ability to get approved for my mortgage and will likely cause me to incur higher interest rates. I asked for a letter to give to my lender from the XXXX stating that I did not in fact have a collection account with them and they refused to provide such email/letter as I did not have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: ACS Education Services
State: GA

Complaint narrative:
My credit score dropped 78 points on XXXX due to a XXXX XXXX account ( from XXXX ) becoming 90 days delinquent. XXXX XXXX has never been late and there were never no reporting of it being 30/60 days late, it jump straight to 90. After reaching out to XXXX XXXX come to find out there student loans were sold to XXXX, whom could n't locate my account in their system either. 
I reached out to US Dept of Education and there were only one XXXX XXXX account showing paid in the amount of {$1300.00} in XXXX. 
After reviewing the verbiage on all 3 credit account, I notice XXXX XXXX appeared on my XXXX report. I reached out to ACS who is no longer is ACS but is now Conduent Education.

They inform me my accounts were 90 days late. I asked why I have n't received anything in the mail or at least a phone call. Why it never reported 30 days late and went straight to 90 days, I could 've addressed it sooner. Why my students loans been sold so many time and I was n't made aware of who to contact to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I consulted my Loan Servicer ( Navient XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX XXXX options for civilian Department of Defense employees in XXXX. I was informed that the program required 120 payments and that my existing loan was eligible for forgiveness including various monthly repayment options. 

My previous XXXX loans were consolidated in the XXXX at 9 % and I 've repaid over {$90000.00} on an original {$45000.00} principal balance. However, I still owe approximately {$100000.00}. 

Navient / XXXX XXXX indicated I was not able to further consolidate my existing loan ( previously consolidated ) and further indicated I was on track for the XXXX XXXX XXXX XXXX program. 

After, six years of qualifying payments while employed with the Department of Defense I checked on the status of my XXXX XXXX XXXX XXXX and was informed that my consolidated loan was NOT eligible for the XXXX XXXX XXXX XXXX program since it was not a DIRECT loan. 

I am now able to CONSOLIDATE my previously-consolidated single loan BUT approximately 6 years of previous payments while employed with the Department of Defense do NOT qualify toward the XXXX XXXX XXXX XXXX program. 

I was continuously misled by Navient / XXXX XXXX and only inquired recently due to news about the XXXX administration 's desire to potentially change the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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:
Hi, I 'd like to file a complaint against the following company : Coinbase , Inc . 
XXXX XXXX California United States I have the following trading account username that I 've been using for trading with Coinbase / XXXX ( XXXX is owned by Coinbase ) : XXXXXXXXXXXX I have attempted to withdraw my money out of Coinbase using the XXXX withdrawal method on the following 2 days ( 2 separate transactions ) : 1st transaction : XXXX ofXX/XX/XXXXXXXX XXXX : XXXX -Withdrawal reference : XXXX -ETA of supposed transaction arrival into my bank account ( quoting an e-mail confirmation from Coinbase ) : " XXXX will arrive in your bank account by XX/XX/XXXX. '' 2nd transaction : -XX/XX/XXXX of XX/XX/XXXX -sum : XXXX -Withdrawal reference : XXXX -ETA of supposed transaction arrival into my bank account ( quoting an e-mail confirmation from Coinbase ) : " XXXX will arrive in your bank account byXX/XX/XXXX. '' None of the 2 transactions have been processed so far, i.e. nothing has arrived into my bank account and I 'm missing the funds worth of XXXX ( EUR ). Hence they are already overdue for many days with these transfers ( from a XXXX law, the XXXX transaction needs to be processed within 2 business days XXXX. 

I should say that the previous XXXX withdrawals preceding these 2 transfers have been processed on time ( crediting my account no later than the 2nd business day ). 

I have logged a support case with Coinbase on the XXXX of XXXX with the following ID : Case ID : XXXX. However, I must say that the company owing me my money has not been very cooperative and I have not received any response as to when should the money be credited to my bank account. I tried to phone their customer center but it 's nearly impossible to get an answer from anyone ( was on the waiting line for more than an hour so I dropped out ). I even tried to get in touch via XXXX accounts dedicated to Coinbase support, still no luck. 

I need to point out that there have been numerous other cases from all the other different people that have been having issues with their XXXX withdrawals from Coinbase. So I 'm not the only one. 

I 'm attaching the following : 1 ) e-mail confirmation from Coinbase re. my 1st XXXX withdrawal transaction : XXXX XXXX ) e-mail confirmation from Coinbase re. my 2nd XXXX withdrawal transaction : XXXX XXXX ) Screenshot from the Coinbase web-portal confirming that those 2 last transactions are in PENDING state on their side, i.e. they have not been processed ( note the previous transactions as COMPLETED - they have been credited to my account, so no issues with the previous ones ) : Coinbase_screenshot.png ( Date of making this screenshot : XXXX oXX/XX/XXXX ) Please help me in resolving this issue. 

Thank you, Regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX, I called Bank of America to report unknown charges. My debit card number had been stolen and used it 25 times at gas stations within a 9 day period for a total of {$700.00}. 

While I was on the phone with them, more charges were coming in. There were charges in XXXX which were legit and showed that I was in XXXX at the time of all of these charges. They gave me a temporary credit in the amount of {$680.00}. 

On XXXX/XXXX/XXXX, without any explanation, they denied my claim and reversed all of the temporary credits. The letter they sent simply stated that they had reviewed my case and found that these were not fraudulent charges. That was it. 

I have called almost daily since XXXX/XXXX/XXXX ( the date I received the letter ), trying to get an explaination and documentation as to their findings. I have repeatidly asked for my money back. I have spoken with a manager in their Delaware location named XXXX. While on the phone with XXXX, she makes you feel as if she is on your side and understands and agrees with you. She states that she will contact the claims adjuster (? ) and that she will call me back with information. She has NEVER called me back even once. 

Here we are a month later and I have no further information from them and I 'm still out {$700.00}. And at this present moment, I 'm waiting for XXXX to call, which I already know will never happen.

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 2017-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I purchased airline tickets in XXXX XXXX 2017, in the amount of {$1900.00} for travel on XXXX XXXX XXXX. On XXXX XXXX my flights were cancelled due to a pilot strike on the airline, XXXX. I requested reimbursement by the airline on that date, which I was told I would receive within 30 days. After 30 days of not receiving my refund, I disputed the charge with my credit card company, Capital One, and was told on XXXX XXXX, that I would be receiving the refund within 3-5 business days. I questioned if the funds could be send directly to me, rather than refunding my credit card ( which would put my credit in positive ) and was told that after 30 days if there is a positive balance on my card, that I would receive a check. on XXXX XXXX, I have no received a credit. I called Capital One to follow up and was told that my request is under review, because it is outside my XXXX XXXX or 120 XXXX days since purchase. I explained that the cancellation occurred well passed that window, and was told that I was given incorrect information by the previous customer service representative that told me that it would not be a problem in the least. now, I am here 2 weeks later with no refund from my credit card company that I purchased the flights from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Back on XXXX XXXX, XXXX, I filed a complaint against my bank, JP Morgan Chase, for failure to manage my funds properly. I assume my complaint was rightfully founded as a week later Chase refunded overdraft fees I incurred on my account. 

On XXXX XXXX, XXXX, I changed the setting on my checking account that concerns overdraft protection. I changed it to " No '', meaning once my account had insufficient funds to fulfill a purchase made with my debit card, the transaction would be cancelled. 

Today is XXXX XXXX, XXXX. My account is overdrawn - {$130.00} with 3 overdraft fees totaling {$100.00}. The last transaction I made was a withdrawal on XXXX where my account balance was {$1.00}. 

I am so exhausted from arguing with Chase about my measly paycheck every two weeks. For the past 6 months, I have been calling, sending messages, etc and all I get is attitude and dismissive tones about how I am somehow at fault for the math being faulty. I plan to take my business elsewhere after the holidays. No matter the balance, my money is my money and should be handled with care by my bank. 

-XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: FL

Complaint narrative:
BACK IN XXXX, ABOUT A YEAR OR SO AFTER I MOVED TO XXXX FROM XXXX, I WAS GETTING READY TO START COLLEGE. THROUGH THE PROCESS OF FAXING DELICATE SENSITIVE INFORMATION TO SCHOOLS BACK AND FORTH AND MOVING FROM HOUSE TO HOUSE I FEEL LIKE SOMEONE GOT A HOLD OF MY IDENTITY THROUGH GARBAGE OR SOME HOW ELSE. AS A XXXX XXXX XXXX, THE LAST THING TO HAVE EVER CROSSED MY MIND WAS SHREDDING DELICATE DOCUMENTS OR EVEN PROTECTING MY CREDIT. IT WASNT TILL JUST A COUPLE YEARS AGO, I FOUND OUT ABOUT THIS CAR LOAN OPENED WITH XXXX XXXX XXXX. I REMEMBER GOING TO SCHOOL AND TRYING TO APPLY FOR LOANS AND THEY KEPT ASKING ME ABOUT THIS COLLECTION ACCOUNT THAT I WAS NOT AWARE OF! I HAVE REACHED OUT TO XXXX XXXX ABOUT IT AND THEY HAVE NOT DONE ANYTHING TO ASSIST. I HAVE EVEN ASKED THEM FOR THE CONTRACT AND IN THE CONTRACT THEY ARE MISSING NAMES. YOU COULD ONLY SEE THE FIRST 4 LETTERS OF MY FIRST NAME AND THE REST OF INFO IS MISSING. I TOLD THEM I NEEDED A VALID VISIBLE CONTRACT SO I CAN REPORT THEM AND THEY HAVE NOT BEEN ABLE TO PROVIDE ME WITH ONE. I HAVE REACHED OUT TO XXXX SEVERAL TIMES AND THEY KEEP STAYING IN FAVOR OF XXXX XXXX BY REPORTING IT AS VALID. I HAVE SENT REPEATED NUMBER OF DISPUTES AND IT HAS NOT BE RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
I owed {$560.00}. They contacted my family members that did not have anything to do with this ; even my nephew in another state. Told them that I would be served with papers within an hour. Humiliation and scare tactics. I called them back and made an arrangement. I paid {$270.00} of the debt and the last time they tried to draft out of my account - there were not enough funds. So the " mean '' man started calling me again. I told him they could resume drafts next week. He told me he would be at my house within 1 hour and I needed to have 2 forms of i.d . ready and I would be going to court on charges. I am trying to pay this back - but I do not like being bullied. This debt initiated through Advance America - but XXXX XXXX XXXX is the company harassing me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation