vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I manage all my bank accounts and credit card via XXXX. I saw one offer of American Express Credit card when i logged in there. According to XXXX - they are only placing the promotion/offer but it 's all done by american express. 

I clicked on the offer but the offer was changed at the time i landed into americanexpress.com The one that XXXX was showing was not having any annual fees but the one at the landing page at americanexpress.com was having {$95.00} annual fees. Card image and everything is the same. 

I chatted with american express regarding this ... but they are having mere denial kind of attitude. 

I strongly believe that American Express is tricking the customers by showing these kind of promotions on XXXX and XXXX ... provide a better offer on these websites ... but changes it when the customer goes to the american express website ... .this is so sick of american express to do so ... .unethical and immoral ... 

it seems that american express will do all the hook and crook to get the card members by deceiving them and tricking them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Upon the transfer of this mortgage to XXXX, our escrow was doubled due to an accounting error by XXXX. We were in the process of disputing this when XXXX refused to apply any payments towards the mortgage. We stopped paying during dispute but XXXX was no help and we were then put into foreclosure. During the foreclosure process we then received an offer of modification for the exact amount that we originally should have been paying less the error n the escrow. The attorneys for both sides handling this came to a resolution and XXXX attorney then sent us a letter for us to send to the credit agencies that have us listed negatively stating that this was an accounting error and we should not have this adverse credit. Experian and XXXX have both sent in disputes numerous times to XXXX to have them remove and update our credit to no avail. As of this date, I still have this on my credit as negative and I am currently under contract to buy another home and am working with a mortgage lender, however due to the low score stemming for this negative report, I am in jeopardy of either NOT getting the mortgage or paying a premium interest as well as other fees! XXXX also does not have a direct line or person to speak to for any kind of help! Please not prior to this we have 2 mortgages with never being late as well as the one I question never being late prior to the accounting error on XXXX part.

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 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
On XXXX XXXX, 2017, I sold {$740.00} of Bitcoin on Coinbase to have the USD amount ( {$710.00} after fees ) deposited into my bank account. Now on XX/XX/XXXX I still have not received the funds and have only received a few different form emails from the company after I contacted them and the webpage says " completed '' next to the transaction. The emails were not helpful and I am unable to get a hold of anyone on the phone ( they actually say they ca n't talk to you about withdraw problems right now ) and am wondering if I have lost this money forever. 

The one thing I wonder is if I selected " wire '' instead of the ACH option, as I believe Coinbase has a XXXX minimum for that. In which case I just want the company to return the funds to my coinbase usd wallet or resubmit a new ACH. Although I had done this once before and had no problems ... I believe I did everything the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: ERC
State: MI

Complaint narrative:
in 2013 i picked up an upgrade i phone was not satisfied and contacted XXXX XXXX XXXX and i was told to bring everything back and did so do to there 100 % customer satisfaction .when doing so representative said it was not possible and i ask to speak to manager witch also said the same.. contacted customer service and asked to speak to manager they said they were sending a box to return never got the box .then when i would call they would put me on hold and give me the run around got tired of playing there game and cancelled service ..they are bullies and because they have a contract that is null and void do to there actions of FRAUD this item was removed from my credit report ..and now is back on and needs to be removed do to FRAUD by XXXX XXXX XXXX by not standing by there word..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
The problems I have experienced with MoneyGram have  all taken place over the course of the last week to 10 days. The first incident occurred XX/XX/XXXX. On this date I attempted to send my wife the sum of {$300.00} to XXXX XXXX XXXX. The transaction was processed and I was issued a reference number of XXXX. Before my wife was able to get to a location to receive the money it was canceled by MoneyGram. I spoke with a supervisor named XXXX in the companies XXXX call center who remitted the money to me but when asked why the transaction was canceled he was unable or unwilling to give me any information. At this point I did unfortunately become very rude with the individual. On the same date of XX/XX/XXXX a complaint was filed through the companys web site and I was issued as complaint reference number of XXXX. On XX/XX/XXXX I received and email from the companies Resolutions Assurance Department asking for more information on the incident. Unfortunately the phone numbers associated to the email simply routed me back to the XXXX call center who couldnt even find the complaint number. I returned the above noted email on XX/XX/XXXX and spoke with a supervisor named XXXX again in the XXXX call center who was quite rude and unwilling to help in any way. On XX/XX/XXXX I was permitted to send {$100.00} to my wife. On XX/XX/XXXX I attempted to send {$300.00} to my wife again using MoneyGram services as well as the XXXX to XXXX service ( I  found out later that this service is provided through MoneyGram as well ) both transactions were processed ( reference numbers were XXXX and XXXX respectively ) On the same date of XX/XX/XXXX I spoke with a supervisor named XXXX in the companies call center in XXXX and latter a supervisor named XXXX in the same call center. Both were again unwilling or unable to release any information regarding why the transactions were canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. It was not signed by anyone, but stated that it was to collect a debt and that if I needed additional information, I should contact them. ( I did have a charged off account from XXXX XXXX XXXX in XX/XX/XXXX, which I tried to make arrangements to pay, but due to not having a job, they stated that I could not make payment arrangements because I could not show a source of income,,, even after I told them that most of the payments that had been made for the last 10 years of good payments were made while I did not have an employer. It was very frustrating to try to work out an arrangement and eventually failed, because I would not lie about income. ) The letter from C and W indicates a balance due of more than {$4000.00}, but the limit on that card was {$4000.00}. They state I should contact their office to make arrangements to pay the unpaid balance. ch The letter was dated XXXX XXXX, 2017 and they gave me 30 days to dispute the validity of the debt or any portion of the debt. It states that no attorney has evaluated or reviewed the circumstances of " my '' account, but that it is from a debt collector and an attempt to collect a debt. It is not signed by anyone, only Sincerely, Cooling and Winter. I not feel comfortable replying to or calling them. Is this a legitimate way to practice?

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 2018-01-08 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I would like to dispute the report provided by Citi and request that you investigate the matter further. I have attached several documents for your consideration. I had been a customer of Citi since XX/XX/XXXX and was in good standing paying this bill until XX/XX/XXXX when Citi abruptly transferred my account to a credit collection agency. When I contacted Citi, I was told that it because I had requested debt relief. I informed Citi that I was not involved in any debt relief program. An authorized user on my account did contact a debt relief agency. Even after I proved that my account was not part of any debt relief program, Citi did not restore my account. After trying for 4 months to get the issue resolved by contacting Citi and the Better Business Bureau in New York ( Complaint ID XXXX ), my account was restored ( brought back from the collection agency ). I was never notified by Citi that the account was brought back and would close again with 30 days if the delinquent balance was not paid in full. I paid two payments and the account transferred for a second time. I contacted Citi again and was told that the transfer happened because the account was still delinquent. I have contacted the Better Business Bureau twice about the way the manner in which my account was handled. I have been contacted by Citi 's Home Office in a bogus attempt to rectify the matter but the Rep tells me what I already know which is that the account is delinquent. Citi NEVER rectified its mistake by transferring my account in error in XX/XX/XXXX. Yet, I am paying the penalty with this delinquency being recorded on my credit report. The account was not delinquent when it was transferred in error in XX/XX/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 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is an incorrect address on my report : I have not lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Ga 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 non-monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is an incorrect address on my report : I have not lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc.
State: MD

Complaint narrative:
I have no knowledge of the a debt thats being reported on my credit report. I 've disputed this asked for verification of the debt and with no response from the company, I called the listed original creditor and informed them and was told I must contact NCC, no one will give me information, I filed a police report and disputed with CRAs, this is ruining my credit and its not my debt! When I call NCC I constantly get transferred and hung up on when they realize im not paying a 2k+ debt that is NOT MINE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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:
I sent XXXX Deposit to Coinbase of XXXX euros on XX/XX/XXXX and they got my funds on XX/XX/XXXX. In  the platform, it is written that my funds will be on my EUR wallet before XX/XX/XXXX, but it is still pending. I have got multiple tickets and sent them emails, but I have got no response from them. 
Case # XXXX Case # XXXX Case # XXXX This is unacceptable that they freeze my funds for a month without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX On XXXX XXXX, 2017 this accoutn was placed on my credit report. This is a medical debt. I do have insurance and am looking into the situation after I complete this dispute. According to the information placed on my credit report. XXXX XXXX XXXX XXXX have had this account since XXXX XXXX, 2017 ( 4 mos ). According to law a medical collection file can not be placed on a credit report until180 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: DC

Complaint narrative:
I have rented several apartment and homes over the last seven years, which come with numerous bills in my name but for some reason, I do not appear to have any credit. Any time a service runs a report on me, nothing comes up. It has caused recent issues with a rental I am entering into an agreement with and I would like to figure out why this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX and again on the XXXX 2018 I called TransUnion Credit Reporting Agency to get XXXX inquiries off of my report that should not be there. They said I needed to talk to the fraud department who then also gave me the run around and said I should be talking to the people I first spoke with who transferred me to them in fraud department. This went on for 2 days. They said they did not know how they could help me. This action has cost me XXXX in business working capital that our business needs to operate.

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 2018-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One closed my account ending in XXXX recently, there is currently a balance of XXXX. There are also two debit card refunds in the amounts of XXXX from XXXX, XXXX from XXXX ( XXXX ) which are due to post to the account within a few days. These are for returned items. Since the account is closed, I will need a check for these amounts sent ASAP. I 've attempted to reach customer service reps, however, hold times are extremely long and once I reach a rep, the call is then sent to their intake dept in which case a voicemail is left and not returned for several days. Needless to say, I am not able to resolve this issue directly as customer service no longer has access to account and intake dept takes several days to reach back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have rented several apartment and homes over the last seven years, which come with numerous bills in my name but for some reason, I do not appear to have any credit. Any time a service runs a report on me, nothing comes up. It has caused recent issues with a rental I am entering into an agreement with and I would like to figure out why this is happening.

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 2018-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient is the loan servicer. I only owed XXXX. Now I do n't know. You pay online and it is always down. They called me and said they have taken a judgement out. The monthly PMT is XXXX.and I 'm on XXXX. They wanted to send a stranger to my house. I said send a sheriff. I called county court and they have no judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a bankruptcy listed in my public records on my credit file that is not mine. It was either from someone with same name or fraudulent stolen information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Linda Strumpf
State: NY

Complaint narrative:
My wages were garnished by XXXX XXXX representing XXXX XXXX in XX/XX/XXXX and then in XX/XX/XXXX for over {$2000.00}. I was improperly served at a location I never resided, therefore had no knowledge of the original court date. Once I researched my rights concerning the wage garnishment, I filed a small claims lawsuit in XXXX County Court in XX/XX/XXXX, where the garnishment was stopped and the debtor was ordered to reimburse me within 30 days with all of the funds that were garnished. In XX/XX/XXXX, I sent a notice to the debtor via return receipt, requesting the monies owed but have n't received anything. I also provided them with an updated mailing address and phone number but have not been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: Student Services
State: OR

Complaint narrative:
I was told I could consolidate my loans. Spoke with people on email and phone to make one time payment to get the loans consolidated. They took the money and said to stop answering calls form student loan places. I believed they were reputable. After checking back in on the fact i have n't heard from them, all emails were no longer viable and i could not find any website or place to get a hold of someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: NC

Complaint narrative:
I have a bankruptcy listed in my public records on my credit file that is not mine. It was either from someone with same name or fraudulent stolen information.

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