vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have the following 3 medical bills on my XXXX bureau only and after contacting XXXX via phone and email I have not received any information. 
GLA Collections has listed : XX/XX/XXXX {$210.00} medical bill XX/XX/XXXX {$140.00} medical bill XX/XX/XXXX {$130.00} medical bill I have faxed a copy of the police report showing fraudulent charges to both XXXX and GLA collections and have never received a letter in the mail, email or a phone call. 
I have Never lived in or near XXXX, KY and have never seen a Doctor for anything medical in XXXX, KY ever.

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
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nations Recovery Center
State: GA

Complaint narrative:
I have been for several months, since XX/XX/2017 been attempting to resolve a debt. When I started receiving phone calls I finally called original company regarding the debt who instructed to me contact XXXX XXXX XXXX XXXX First they refused to send me another notice of Debt stating they are only required by law to send me one. I advised them they sent it to the wrong address and all correspondence goes to XXXX XXXX XXXX I got tired of dealing with their customer service snarkyness, after several attempts I was finally able to reach a manager. He then sent me out the notice to my POBOX however there is nothing on the Notice of Debt to explain how to make a payment. Once again about the XX/XX/XXXX time ( which I have cell phone bills to prove it ), I called them back and stated I needed a statement, something in writing to explain how to pay the debt. The rude customer service person stated her company is not required to send out a notification explaining how to pay the debt, they only had to inform me there was one. She invited me to pay over the phone - advised not an option, told me to pay online - I informed her I needed to mail it with a money order and she still refused to send a statement with an  explanation how to pay. This company fails to understand people have rights and there is a formal process in to collecting a debt. They are the most unprofessional and rudest individuals I have ever met in my entire life. I can provide notice of debt and you can see there is no information how to pay the debt.

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 2018-02-22 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase & XXXX has different information regarding this charge off. This account was closed twice once in XX/XX/XXXXand XX/XX/XXXX according to XXXX. Chase only has record of it being closed once. I'm not sure if they both have the same charge off date but XXXX  reported XX/XX/XXXX as the final charge off. They both have inaccurate information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i have 4 unauthorized transactions on my business checking account which i did not authorized. i have contacted the bank and filed a claim but my claim was denied without any investigation or reason. i have never authorized those transactions. please help XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$860.00}. 

XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$220.00} XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$75.00} XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$490.00}

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 2018-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Me and my husband contact the company National Credit System because we received many letters and calls about a debt collection owed with approximately amount of {$1500.00} but we paid in full in XX/XX/2017 direct with XXXX XXXX the company with the issue but this people want we paid double, and I try send the evidence by fax but their collector XXXX XXXX was rude and she gave me a wrong fax number, and now this company public in our credit the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: MS

Complaint narrative:
Capital One XXXX XXXX card is charging me 30.65 APR.

The posted APR on the Capital One website is 24.99.

I'm also being charged a {$59.00} interest rate which is incorrect. The posted rate on the Capital One site shows {$39.00}. 
Thirdly, my rate should be capped at 6 % due to XXXX XXXX service. I have tried for over a year to correct this issue with Capital One with no success. 
The problem started when Capital One purchased XXXX. My original card was with XXXX, which I had no issues. When Capital One purchased it, everything changed for the worse. 
I have other Capital One accounts which are correct, but Capital One refuses to correct this account because they are taking a large amount of money from me each month. I've tried so many times to resolve this issue with Capital One, but it's hard to solve it when everytime I call, I'm speaking to someone in another country that can't speak basic English. This is so frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I signed up for a new checking account offer - Deposit {$25.00} to open the account then set up direct deposits of $ XXXX/month for three months. After three months of funding according to those terms, {$200.00} will get deposited into the account.

In the third month, after the first {$750.00} direct deposit went in but before the next {$750.00} direct deposit that would qualify for the bonus went in they closed the account without notice or reason. I called a local branch and they directed me to the 800 number because they couldn't see any reason as to why the account was closed.

After speaking with the 800 number rep, they said the account was closed due to no activity. However, I had {$750.00} deposits twice a month and {$750.00} withdrawals twice a month. Why the hard close? Why not a soft notice of " you're approaching our zero activity closure policy, please use your account more before xx/xx/xxxx date ''? 

This puts me in a frustrating spot because my company 's payroll has already been processed and now the {$750.00} will reject deposit if the account isn't opened. Beyond that it's bad will - the terms and conditions of the deal itself, not full on checking account terms and conditions, mentioned nothing about minimum activity or balances within the account.

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 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am trying to check my credit report and I can't even verify that it's me because I don't have the " correct '' answers to the verification questions. I believe someone has stolen my identity around XX/XX/2013 when my X-Box was stolen. I don't have any evidence that's it's me because it's been going on for so long without me knowing it. I have a military ID and a SS card to prove it's 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 2018-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a call from TransWorld trying to attempt to collect a debt from me for a bill due to XXXX. I had no idea who these people are and called XXXX to confirm that my account is in good standing. 

On XX/XX/XXXX, I received a letter for the first time in the mail indicating that I owe XXXX {$180.00}. I proceeded to call XXXX to find out and after two rounds of transfers and a long hold, another representative got some info and indicated that I owe XXXX for a bill back in XX/XX/XXXX but was not able to give me any further details due to their new system. I was told someone will call me back the same day and give me more details. I have since to receive a call back from XXXX nor do I know what this debt is all about. 

I moved to California from XX/XX/XXXXand moved back to Maryland in XX/XX/XXXX. I also  have a new XXXX account in my name about a year ago and they ran a credit check on my info. I am disputing this erroneous debt that they claimed to be unpaid in XX/XX/XXXX under my name when in fact I did not live in Maryland at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: MI

Complaint narrative:
On XX/XX/2018, I received a letter from The XXXX XXXX XXXX, XXXX stating that they had previously sent me a notification of a debt that was owed by me in the amount of {$180.00}. I never received the first notice regarding this debt, and therefore was not afforded to opportunity to validate the debt. The notice also states that they first mailed me a notification of this debt on XX/XX/2018. That day was a Sunday, so they could not have mailed anything to me on that day.

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 2018-02-22 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: Conn's, Inc.
State: TX

Complaint narrative:
Back in XX/XX/2013, I purchased Items from Conns Appliances. The merchant overcharged me for the items at the time and charged it to my credit account. There was a difference in the amount charged on the contract I wrote to the amount reported to the credit bureaus. I was investigation this once I discovered the error and had the amounts consolidated. So the debt amount is incorrect as well as the interest rate on my credit score. I was ignorant of my rights as a consumer so I paid the amounts for a while and once I discovered the truth I tried to get to the bottom of the debt. The payments I was making were not decreasing my loan amount according to my numbers. No one was willing to hear me or resolve my issues when I went to the locations. I ended up contacting Conns in order to settle the debt amount with a pay for removal of negative items agreement. I paid the settlement of {$1600.00} and was promised the negative credit marks would be removed. I since checked my credit report and the negative marks are still present. I have no contact information for the credit department so I speak to customer service regarding my issues and they claim that the credit department will not live up to their initial agreement to remove the negative marks. I faxed over a letter with my request 2 times. I also spoke with a representative that stated that they have a courtesy removal of negative marks from my credit report and now when I contact their offices they deny this is the case and in most cases keep me on hold for hours and hang up. Conn 's appliances have a reputation for being dishonest and ruining their customer 's credit but I was unaware of this fact before I made my purchases. 
I have recorded conversations of discussions I have had with Conn 's representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: GREAT WESTERN BANCORP, INC.
State: NE

Complaint narrative:
There not giving me my score to XXXX, cause they had discriminated me about my credit report and my score. Still ignoring me about it. XXXX, XXXX XXXX. Since now XX/XX/2018 still not improving my score. I guess court time

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 2018-02-22 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: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
XX/XX/2018 I sent out a certified letter to Designed Receivable Solutions which stated to verify the debt that they're claiming to belong to me. I also informed them that while they're given 30 days to have the original documents stated in the letter they are not to make any changes, pull or update my credit. They did it anyway and hurt my changes of getting any credit. NO RESPONSE from the company but they made changes to my account when I specifically told them not to. That alone broke the rules of my rights under federal collection laws. XX/XX/2018 I contacted the company again via certified letter stating the same request. They still haven't responded. and yet they continue to damage my credit this company stated that I owe XXXX that went up to XXXX, with no original documents and no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My Mortgage was sold. I have little personal credit outstanding. The new mortgage company, XXXX XXXX  is not reporting they have my Mortgage. It still reports as New York XXXX Bank and Paid. 

My Credit score has dropped XXXX points ( No outstanding Credit. ) I even have a letter from XXXX XXXX stating they have corrected this XX/XX/XXXX. They purchased it XX/XX/XXXX. According to All the Credit Bureaus it has not happened. They are still reporting my Mortgage paid off and with NY XXXX XXXX. 

I have contacted XXXX XXXX over 11 times since XX/XX/XXXX. I even have a direct line to Customer Service Escalations and he is no longer answering. I have contacted the VP of customer Service - NO RESPONSE Equifax even had my residence as one I had not lived at for 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am trying to check my credit report and I can't even verify that it's me because I don't have the " correct '' answers to the verification questions. I believe someone has stolen my identity around 2013 when my XXXX  was stolen. I don't have any evidence that's it's me because it's been going on for so long without me knowing it. I have a military ID and a SS card to prove it's 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 2018-02-22 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: NY

Complaint narrative:
On or about XX/XX/2018 purchase made through this card, Best Buy Visa, with XXXX XXXX. One item was missing from package. Initiated dispute for {$140.00}. Best Buy Visa just advised they are siding with merchant despite merchant not providing any signed affidavit contradicting missing item. Instead some unverified, unsigned and unidentifiable information was provided by merchant. In violation of Fair Credit Act, merchant has done nothing to investigate and merely collected this information from merchant, summarily ruling in merchant 's favor. Best Buy Visa has breached its legal obligations to 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 monetary relief
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America, N.A. transfered the service of my loan to XXXX XXXX XXXX, decpite of promise at closing document no to do it. On SERVICING DISCLOSURE STATEMENT, it says : " Your mortgage loan will be serviced by Bank of America, N.A. and it does not intend to sell, transfer, or assign the servicing of your mortgage loan. 
I contacted BofA representatives 3 times regarding this issue and they say that " does not intend to transfer '' does not mean that they will not.

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 2018-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been working to pay off my debts which include my student loans and car loan. I have not always been faithful in making payments but within the last 3.5 years I have committed to paying my loans off. I have talked with Navient on several occasions on how they allocate my payments ( principal vs. interest ). They have failed to fairly adjust the allocations. This unethical practice is unjust to me as a borrower and will keep me in debt on an account that can be easily paid off. At the rate I'm going I will finish paying off my car loan ( which had a higher balance and higher interest rate ) before my student loans will be satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Company violated my rights under the FDCPA by continuing to attempt to collect the debt after I requested a debt validation and before they sent the validation to me.

The Fair Debt Collection Practices Act clearly states that collection agencies MUST cease all collection activities until they provide validation of debt, once a consumer a consumer request is received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
Ive been a PAYING CUSTOMER of coinbase ( a bitcoin exchange platform on the internet ) since XX/XX/2017. I have had nothing but problems with coinbase.

Thier site is CONSTANTLY broken in most araes concerned with withdrawing money. No issues depositing money of course but good luck getting YOUR REAL MONEY off of their platform!

The newest SCAM coinbase is running is out of no where, restricting accounts. This wont allow for sells/buys meaning I have zero control over my REAL MONEY. My money is trapped and I want it ALL asap. XXXX $ I have TRIED contacting coinbases " support '' SEVERAL times both via email at coinbase.com/support and via the given telephone number. Ive gotten ZERO response from either. I called 5 times over 3 days holding a total of 72min. No answer EVER because there is nobody there to actually pick up. Sounds good and looks good but ZERO results or human contact. Coinbase uses a bot for their support who cant answer/solve my problem and refers me to the unanswered telephone number. Run around. 
I want my REAL MONEY at its highest earning level achieved ( XXXX $ ) off their platform ASAP. 
I want coinbase legally prosecuted and taken off the internet to STOP the scams they are running. 
Coinbase has over 193 NEGATIVE reviews on XXXX and only 11 positive. 
Where is the SEC, Consumer Protection Agency, Attorney General, ANYBODY getting paid by tax payers to prevent just this XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient keeps calling and sending letters and bills but I have paperwork that shows my bill paid I had a loan through XXXX. I provided this info to the credit bureau and they removed it from one but not the others and they continue to call.

I sent them a certified letter requesting information as to why they feel I owe them and requested that they no longer call my phone but they never replied.

Company response to consumer: Closed with explanation