vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Asset Recovery Solutions, LLC
State: WA

Complaint narrative:
I started school six years ago and found out we were XXXX two weeks in and told them I could not continue and they told me that it was only two weeks if I dropped out within a month the student loan does not get processed. I signed the paper saying I dropped out and that was the last I heard from them. Now six years later I am trying to buy a home with my husband and they pulled my credit and on XX/XX/2017 Asset Recovery Solution said they bought a debt from the school and I now owe them {$6400.00} that I never heard about from six years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
On XXXX 2015, My now ex wife and I applied for a loan and approved/received a loan for XXXX and as of right now the loan is XXXX. The agreement between my ex wife and myself was to pay the debt collectively but her end of the agreement was not held. I paid as much as I could before I could no longer make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Over the summer, forget the exact date but can look it up if needed. I have the capital one buypower card. I went into a store one day and purchased something worth a little over 4 dollars. This card is one of had for a while and would purchase things with occasionally. The card payments were set on automatic payments as I have set up on all my other accounts. However, one day I got an email stating that my payment was late. Confused by the email I called the company and the lady I spoke with assured me that my card had automatic payments. When I asked if the payment would be made and everything would be okay. She again assured me that everything is taken care of. My sole purpose of the call was to make a payment. However, the customer service agent failed to tell me that their system for automatic payments stopped working ... they stopped them altogether. And that my automatic payment would not go through before the time limit in which they would send the missed payment to the bureau. I hung up the phone assured that the payment would be made. I just assumed the system was taking it at the last minute like it usually does. A few weeks go by and I again get an email. This time from XXXX XXXX  telling me that there was a hit on my score. When I checked it turned out to be that missed payment. My automatic payment did n't go through like the lady assured me it would. And now I have my FIRST missed payment on my credit report which was not my fault. I was not notified the company took off automatic payments on their own. And when I called in the first time I was not made aware that had the payment not been taken that day it was going to go on my credit report. I remind you ... the balance was XXXX dollars. I was calling that day with the intention of clearing it out. It 's XXXX dollars .... of course I wanted to pay it off. I 've never missed a payment. Ever. As seen on my report. When I called in the second time the lady asked if I wanted to take care of the payment and I assured her that I would. And that lady is the one who made me aware that I was not on automatic payments and that they stopped my automatic payments ... without telling me. When I filed a dispute with the company they called back and took absolutely no blame for their employee misleading me as a customer and allowing my credit score be affected. I feel extremely mistreated by this company and do not feel as if a XXXX dollar missed payment should be on my credit report ... out of all the payments I 've made. Especially if I had automatic payments and was assured by the first individual that it was still active. I tried filing a dispute on XXXX XXXX but nothing came of it. I hope that you all can clearly see how I was mislead and abused as a customer. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
The collection agency Harris based in XXXX claims that I have an outstanding balance of XXXX dollars to XXXX XXXX XXXX. I called XXXX XXXX XXXX and there is no balance on my account. I had paid the amount in XXXX  2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax continues to report a medical bill of {$100.00} on credit report that has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
When I pulled my credit report, I noticed two companies are reporting debt and they are not licensed collect debt in my state, per the West Virginia State Tax Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: WV

Complaint narrative:
In getting a copy of my credit report, I discovered I have a debt from a company not licensed to collect in my state, per the WV State Tax Department. The company is XXXX XXXX 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 2018-01-05 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: NY

Complaint narrative:
For years I have reaching out about how to make payments to my Navient loan ( s ). I learned that payments were only made to select loans and I found myself delinquent in others - even though I was paying the amount assigned monthly. I was constantly trying to get clarification form customer service. Constantly harassed with notices threatening to put my account into delinquency. 
Since XXXX, I was regularly informed that if I could n't make the payment assigned to me that I should apply and renew deferment/forbearance. At times lowered adjustments were offered but still above what I was able to pay- I was made to believe that what I had to offer was not acceptable and I needed to apply for deferment/forbearance in order to not ruin my credit. Unfortunately, in XXXX I was diagnosed with XXXX XXXX and underwent a XXXX XXXX extending the deferment/forbearance status. 
If I had been able to make payments I could afford I could have avoided the accumulation of additional debt and perhaps lowered my monthly payments. 
Today, I called to say that I could start making payments towards my loan and they again said that they could n't accept this payment, instead insisting I pay more than I can afford in my current hardship. Now they are suggesting I pay double of what I can afford and again put 2 loans into deferment/forbearance. I escalated my concerns to 3 different people until a supervisor after much " calculation '' suggested I apply for a direct loan consolation and a pay as you earn graduate income based repayment. I asked if this was a new option and he said no - it has been around for a few years. I was shocked to know that they had n't counseled me sooner. He said it was almost guaranteed that I would be approved. It 's unbelievable that six years have passed - I am a XXXX XXXX XXXX for children with XXXX and low income communities- and as I dedicated myself to service, I could have been paying towards my balance and working towards forgiveness. I feel robbed of my financial well being. Now I face medical bills that surpass my student loan. I will never climb out of this financial hole. I feel deceived. It is depressing. 
I have renewed my deferment/forbearance for 2 of my loans, paying double of my affordable contribution, awaiting my consolidation application with direct loan. I 'm learning about Navient 's deceptive and irresponsible practice today. It 's disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I never received a bill in the mail from my best buy/Cbna Credit card in XX/XX/XXXX to pay my bill of XXXX.. I  have always paid my card on time from the first time I got it. I called them and they said I had signed up for online billing, when I never have done that and have always got a bill in the mail from them.. it dropped my score from XXXX to 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 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
by end of XXXX 2017, I found all my 3 credit card with XXXX balance at Bank of America has been closed without notice, while there is a reward card has XXXX $ worth award left unused, I tried to contact the bank and ask for reopen, they wont be able to give a reason why closed at first place. so I am asking CFPB for further help, I paid the annual fee but be closed less than one year, so I believe the bank should offer compensation or refunded for the annual fee

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 2018-01-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
See case number XXXX. This issue has never been resolved or addressed by BofA. I have submitted the complaint twice and still no resolution. XXXX XXXX called and left a voice mail. I called her several times because she never returned my calls, which is why I submitted a second report. She finally called and said she had been out and would get back to me. I 'm still waiting. The complaint shows open. This has been going on since XX/XX/XXXX. I want a satisfactory resolution and I want a phone call from someone telling me what you can do, not what you cant do. I will keep writing until this is resolved to my satisfaction.

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 2018-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I conducted a transaction using Wells Fargo that used XXXX to pay for XXXX XXXX tickets with an individual I met on XXXX. We discussed over the phone and text messages that the terms for 4 XXXX XXXX tickets at XXXX stadium would be for {$2200.00}. He requested I use XXXX since it 's bank to bank and the electronic transfer of tickets would be made immediately. The individual mentioned that he was unable to receive the transfer, so he wanted to meet in person. After several attempts to try to meet, the individual said they cancelled the transaction, to give it a couple of days to refund, and gave the tickets to someone else. I knew immediately something was fishy so I immediately filed an online fraud claim with Wells Fargo. On XX/XX/XXXX, I followed up with Wells Fargo online fraud. Since I used XXXX, Wells Fargo claims no consumer protection and would not provide me with any information of the individual 's bank or real name after saying that the service is only for friends and family, not strangers. Absurd since that information should be readily available if they 're known to me! They said this would require a subpoena via legal avenues, so I filed a police report with the text messages with the scammer. I just received the copy of the police report today on XX/XX/XXXX Shocked that Wells Fargo and XXXX would allow this!

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 2018-01-05 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 have been locked out of my Coinbase.com account pending id verification, which I have submitted numerous times incidentally, since XX/XX/XXXX without even a peep of support follow up from Coinbase. They have never replied to any support request I have submitted in spite of the fact that I deposited money when I originally opened the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
They do n't offer financing options for my financial situation. I think they look at income and do n't consider expenses. I am working 2 jobs just to pay my rent and they somehow think I can make about {$500.00} For 2 separate loans. My loans continues to be delinquent as I can not afford these paynents. This is a car payment and the interest keeps accumulating. I can not get ahead if I tried. I feel like I will dir with this debt. 

And it continues to affect my credit. I can not get a job making more money because in my industry companies pull your credit report. I feel stuck like a rat on a wheel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never received a bill in the mail from my XXXX XXXX/XXXX Credit card in XX/XX/XXXX to pay my bill of XXXX.. I have always paid my card on time from the first time I got it. I called them and they said I had signed up for online billing, when I never have done that and have always got a bill in the mail from them.. it dropped my score from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: TX

Complaint narrative:
Per the Texas Finance code even a credit bureau is required to have a valid surety bond to collect on debt. This company does not have a valid surety bond with the SOS of Texas and is attempting to report and collect debt on my credit report. Specifically, debt from XXXX XXXX XXXX  Texas Finance code Section 392.101 The regulatiin rewards {$10000.00} For each violation.

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 2018-01-05 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: TN

Complaint narrative:
We made 2 / {$1000.00} payments to our Citi Simplicity Credit Card. 
We have documentation of the payments / they were deducted from a prepaid XXXX XXXX debit card on XX/XX/XXXX and XX/XX/XXXX. 
However Citi has claimed that the payments were received then withdrawn back to the card. This is not an option for this prepaid debt card. Also the transactions show full payment made, received, and withdrawn from XXXX. We have spent months being asked for statements and proof of payments made, which we have sent multiple. We have tried to do everything they ask us as well as continue to pay monthly even while in dispute. It appears as though they keep changing the monthly rate giving us insane interest fees different each month even though the balance shows little to no decrease because of the interest rate they are charging us on the closed card. 
We have sent them direct paperwork from XXXX XXXX, as well XXXX XXXX Representatives contacted them directly. 
All of the XXXX XXXX transaction papers that I have sent them copies of show proof of payment, And absolutely no returned payments. We have never made a late payment with this company and before this debacle we have paid well over the amount due. And they still decided to shut the card off. Please help, we are at wits end.

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 2018-01-05 00:00:00
Product: Student loan — Federal student loan servicing
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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Re : Department of Education, XXXX I 've tried to resolve this matter over 25 times in the last 5-6 years, and I do not get a response, am transferred to the " right '' person and then I get disconnected, etc. It 's like they do this by design. 

Reason why this MUST BE DISPUTED : A bill/notification was not sent to my mailing address to inform payment was due. I tired fixing address, speaking to a supervisor, emailing them, etc. Upon receipt of bill sent in XXXX 2013, a payment was made and this loan was paid off without any further issues. 

Request : Rectify and delete late payments on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I disputed this listing with a credit bureau and it was removed. In XXXX 2017, it was placed back on my credit again listing different information. I 've disputed it once again with XXXX and am waiting on results. I 've also disputed this with ERC, the credit bureau making the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
RE : Wells Fargo Dealer Services This is in regards to Wells Fargo reporting that I made a lie payment on a car loan. 

A late payment was NEVER made and I have a letter showing that Wells Fargo made a mistake in marking this as late and even FULLY REFUNDED the late fee. 

Request : Rectify and delete late payment

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 2018-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: AK

Complaint narrative:
Coinbase XX/XX/XXXX : Coinbase deactivated my Coinbase wallet citing eligibility restrictions ( they think I live in Wyoming, but I live in Alaska ). 

XX/XX/XXXX : Coinbase locked my account. I have no access to my account. 

XX/XX/XXXX to XX/XX/XXXX : Repeated attempts to inquire about getting my money out of my account. Coinbase responds with steps to remove my money, yet ignores the fact that I cant access my LOCKED account in order to follow their steps.

Case ID : XXXX Case ID : XXXX Case ID : XXXX Case ID : XXXX Coinbase has my money, wont allow me access to my account to retrieve my money and continues to tell me to access my account, remove my money and close my account .... but they wont give me access to my account in order to follow their outlined steps. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Per Texas law, this company is required to provide proof they legally own this debt. All I continue to get is portion of statements. This is not proof they legally own this debt to be able to collect. I will be filing a compliant against them with the XXXX 

Also, this company has also failed to disclose all the names they are known by or formerly known by to me. This is also a violation of Texas law. 

Texas Fair debt collection practices. 

Texas Fair Debt Collection Practices Act 392.304. FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.- ( 2 ) failing to maintain a list of all business or professional names known to be used or formerly used by persons collecting consumer debts or attempting to collect consumer debts for the debt collector ; Under the Texas business and commerce code I was not provided proper notice of this debt being sold to this company nor do I have a contract or any other obligation to this company. 

Texas Business and Commerce Code - BUS & COM 9.611 through 9.613.

Company response to consumer: Closed with non-monetary relief