vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I had been investing in XXXX on coinbase. On XX/XX/XXXX I saw my checking account had been charged 4 transactions. 2 for {$200.00} and 2 for {$100.00} from coinbase. I looked at my account on coinbase and no currency had been added to my account, it was only a debit from my checking. I called my bank and reported the charges. The next day XX/XX/XXXX, they were credited back and my checking account and my coinbase account were where they should be. On XX/XX/XXXX I got an email stating because of the reversal by my bank they were taking the funds back. They then withdrew those same 4 amounts from my coinbase account leaving me with nothing. I have had multiple contactys both by phone and their email support and I get the same answer that they will assign to specialist and no one ever follows up with me. Ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Contacted three times by XXXX XXXX XXXX In California on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX about a debt with XXXX XXXX for my XXXX XXXX. I do not nor have I ever had an outstanding balance with this bank as shown in my statements and from contact with this bank. The customer service agent has a different address than mine. This is clearly not my account. I have asked several times for them to stop contacting me and do not want to via mail as I do not want them harassing me in person or with endless letters. I have blocked their number, but I have gotten calls from other numbers instead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17 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: CA

Complaint narrative:
I am to repay my student loan, my original loan payment went from {$5.00} to {$280.00} after Navient bought my loan from a creditor. this is illegal practice I do should not have to jump through hoops to get my payments back to what they were, I want a new lender to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: Midwest Recovery Systems
State: CA

Complaint narrative:
I had an alert back in XXXX for a negative account popping up on my credit report for XXXX and XXXX   From Mid West Recovery No idea of thos account I had recently went through a credit repair company which did nothing so i began buolding and repairing my credit Because of this account that this company placed without no notification or letter of debt validation has greatly lowered my scores They violated under FCRA because they did not send me tbe consumer a debt validation letter and having a 30 day response for me to respond just put this as a negative for {$250.00} Its for a pay day loan and on my XXXX  it has for a XXXX XXXX but info says medical and on my XXXX it says XXXX XXXX also never did i receieve a phone call Till this day the # on the report never get calls from unless they our using different # which these scammers do When reported to XXXX XXXX the next day they deleated so why cant XXXX  I also put in with XXXX Please i want this account removed and deleated I was so shocked to read on this site how many consumers have or had same problem Mid West Recovery still has not shown validation and the time line has passed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: CITIBANK, N.A.
State: TN

Complaint narrative:
XX/XX/2017 XXXX  is only credit reporting 30 days late on XXXX XXXX account. I have contacted the creditor and they sent information to all 3 credit agency that my account was never late. 
XXXX and XXXX corrected and updated my account information. 
I have written letters to XXXX to remove lates because that is not accurate information. But have not been able to get this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Contacted three times by XXXX XXXX XXXX In California on XX/XX/XXXX XX/XX/XXXX, andXX/XX/XXXX about a debt with XXXX XXXX for my CareCredit Card. I do not nor have I ever had an outstanding balance with this bank as shown in my statements and from contact with this bank. The customer service agent has a different address than mine. This is clearly not my account. I have asked several times for them to stop contacting me and do not want to via mail as I do not want them harassing me in person or with endless letters. I have blocked their number, but I have gotten calls from other numbers instead.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So Chase issued me a credit card, before receiving the card, account was closed alreadt by the bank. I dont understand why they would issue me a credit card if my im not eligible on having it. They should have known before issuing me a credit card if i'm qualified, not after opening it. My credit score got  affected because of my account closed. I tried talking to chase about reopening it but nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Company states they are " XXXX XXXX XXXX '', They us numerous ficticious phone numbers and do not leave messages. I spoke to a representative and advised them I work in XXXX XXXX and do not give payment information over the phone. I advised them to contact me via mail. They further state the debt is in excess of {$950.00} which has been confirmed to be under {$500.00}. The numbers they call from are all over the country. Latest from XXXX Also received a call from XXXX. I do not answer unknown callers and am tired of receiving 4 - 5 calls a day every day from these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
This company previously DELETED their item from my credit report when I disputed it in XXXX. They recently began re-reporting it to XXXX in XX/XX/XXXX. This is likely the result of identity theft. They knew and are still attempting to collect debts not owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: VA

Complaint narrative:
I am in deferment pending my next class in XX/XX/2018. I have repeatedly informed XXXX XXXX that I will begin classes and have been assured that I am deferment until then. I also keep getting notifications thats I am behind on my payments. When I call they are complete unhelpful and driven to force payments I do not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: NH

Complaint narrative:
In XX/XX/2015 I purchased a XXXX XXXX from XXXX XXXX  from XXXX XXXX  with a service contract costing me {$2500.00}. The car was in an accident and was determined by the insurance company to be a total loss. I ended up going back to XXXX to refinance another vehicle. XXXX never reimbursed my service contract. The car was finance for over 6 years and I owned the car for about a year and never really used the service contract. In which XXXX   never offered a rental. I then got another XXXX XXXX from XXXX. The financing now had an interest rate of almost 20 %, but I needed the vehicle. I also got another service plan for {$1800.00}. Unfortunately this car got in an accident and claimed a total loss and again XXXX XXXX kept my service contract money. This car was owned a little more than a year. I find {$4300.00} is a lot of my money to keep. This needed to be reported. I can supply any documentation needed to stop this type of stealing from customers.

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: TX

Complaint narrative:
I have made several attempts to get this matter resloved with Transunion. I have supplied ample proof of my Information being compromised via the XXXX hack ( XXXX ), Government hack ( XXXX photo provide in CFPB complaint number XXXX ). You added a fraud Alert but are refusing to vaildate the XXXX account. Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Your fraud alerts do not work at all. I attempted to place a Credit Freeze on my account and was unble to. You are paid everytime someone runs someones credit so your only intrest is your bottom line. You have had 180 days to investigate this and still cant come up with the correct solution. Transunion cant vaildate this debut because the company is unable to validate this debut. This accoun should be remove within 3 business days. This violates the Texas Fair Debut collection practices act, established for this reason.Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable 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 explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Conn's, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I contacted Conn’s customer service to inquire what my payoff amount would be. I was told that my balance was XXXX. I asked if that was the amount I needdd to pay to close my account, and I was told that was correct. I paid the amount within a week.  6 months later in XX/XX/XXXX, I receive a promotional flier from Conn’s that also had in the upper corner a note that said Current Balance : XXXX(this amount may be off by a few dollars).  I contacted Conn’s and asked why the flyer showed I had a balance. I was told that I did not pay my balance before the promotional period was up. I explained that amount I paid was given to me by their customer service rep and that was the amount I paid. They put in a ticket and the manager asked that I call back in one week. I called back about two weeks later spoke to the manager and she told me that the balance was being written off and not to worry.  In XX/XX/XXXX, I start to receive text message and emails stating that I missed a payment. I have not charged anything new so I contact Conn’s to see what is going on. I spoke to customer service and they say they see where the balance was requested to be written off and will put in a ticket.  I have called every week since, and today I am told that they are not going to write it off or do anything about it. The representative is now stating that they have no records of any of the conversations not even the conversations with the manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
I have opened a Coinbase account last year and had go through a few transactions before it was unabled. Previously, I still able to withdraw, deposit and buy from the account. However, since last XX/XX/2017, I faced this issue for not able to do anything with the account such as buying, withdrawing and depositing. I just want the money to be out from that account so that I could pay for my expenses. I have contacted Coinbase support team so many times, and they told me to wait until the Specialist looked over my case. They even say I was at the highest priority level but until today, they still have not solve my issue. I also saw many comments about the same issue in XXXX and have posted my issue there. Also, I sent several personal message to the coinbase staff through XXXX since they did replied to some of the comments in the post. Unfortunately, no one response to me. This issue has been up for more than 5 months since last year and I really want it to be solve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: MI

Complaint narrative:
XXXX sent me a letter with procedures and the amount charged {$900.00}. That is not validation nor verification. This debt is not mine also the validation they sent was a HIPPA violation to whom ever charges these are. I have no signed contract or knowledge of me having these procedures done ... XXXX and the original creditor XXXX XXXX are not licensed in the state of Michigan I want to include according to the state of Michigan Licensing website!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a fraudulent card opened in my name. I believe it may have been opened by a family member/ex-wife to gain credit. I never authorized this account to be in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
case # XXXX acct. ending in XXXX I have tried for months now to work with Capital One on my dispute with the company I don't know what more they could possibly want from me long story short I returned some damaged merchandise to the merchant I provided tracking information in the Box weigh the proper amount it was received and signed for and nobody had any issues with it until Weeks Later then all the sudden the merchant claims they didn't get it that went back and forth for awhile and that's when I decided to ask Capital One for help and I disputed the transaction I provided all the information it's not like XXXX and XXXX or the post office are going to lie for me the carrier confirm the package was delivered there were no problems and I gave all this information to Capital One and somehow they decided against me in their most recent letter they sent to me they told me that they didn't have all the information they needed and I asked them what the information was they said they needed a copy of the receipt the invoice which keep in mind I've already provided but I went ahead and provide it again and now they send me another letter and this time their excuses they're going to go with your original decision they told me the last time that the reason they decided against me was because they didn't have all the information so I provided all the information for about the third time I send everything back to the merchant I provided overwhelming proof of this and Capital One still has not refunded my money why are they not following the federal consumer laws that are on the books they have an obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: PNC Bank N.A.
State: NE

Complaint narrative:
Please reference previous complaint filed with XXXX XXXX XXXX, case # XXXX. The bank has issued a response dated XX/XX/XXXX. Please note the response does not address our original complaint. 
A summary of the previous submitted complaint : An IRA CD was taken out with XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX. The amount of the IRA CD was $ XXXXPNC later took over XXXX XXXX XXXX Notification was never received from PNC Bank as to the disbursement of the IRA CD. In checking with other institutions there is additional paperwork required to transfer, close this type of an account ( IRS rules for and IRA CD ). Previously PNC was contacted in an attempt to locate my money. PNC was unable to locate any records of the IRA CD.  Instead PNC responded with reference to two other savings accounts. THIS IS AN IRA RETIREMENT ACCOUNT. PNC can not simply use the excuse there is no record of the account. It is incumbent of PNC to make sure there is proper paperwork for an open IRA CD. Justification would have to be made for IRS purposes to to track the location of IRA account dollars. It appears PNC " lost '' our money. Bottom line we have the paperwork it was an IRA CD. PNC should be required to produce their paperwork to justify they no longer have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
I was victim of a scam perpetrated with Google Play cards. Fake lawyer instructed me to purchase {$2000.00} ( 4x {$500.00} ) cards on XX/XX/18 to send him codes which he will then convert to cash to use for bail money : my grandson being XXXX. Once I determined scam and refused to send I was left with uncashed/unredeemed cards- Unable to use. Google refuses to redeem or cash, restricted use to only digital games/movies and can not be used for Google hardware. As an XXXX year old Senior can not use {$2000.00} for digital games The Google play cards thus became a vehicle to laundering money by fraudsters and render Google an ac cessory to scam by refusing to cash or buy back from owner.

Have contacted Google Play CS onXX/XX/XXXX- thjey are totally inflexible about buying back cards or exchanging for something of value.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
case XXXX CFPB # XXXX ACCT. ENDING IN XXXX I really don't understand why Capital One can't answer this simple question they have closed both of my accounts just out of the blue one day I have asked over and over again I even called in the woman on the phone says that it look like I had a dispute that I didn't tell the truth on I asked her which dispute she was talking about she didn't know and I've asked Capital One over and over again to please tell me why they've closed my account they keep telling me that they reviewed my activity but they haven't been able to tell me why specifically why you close my account what I did wrong they just keep telling me that they've made their decision and they're not going to reverse it okay that's not what I'm asking you to do keep your credit card I don't care i have a wallet full of them but I'm not going to go away until you tell me what it is you think I've done wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
No knowledge of this account, noticed this on my credit report. Did not receive right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Recently I recieved the decision for my latest dispute of the late payment on my payment history. I am asking if it were at all possible to remove the late payments from my acount. I am attempting to clean up my credit score as I have been very strict since the incident to be on top of all bills that I have. I would really appreciate the opportunity to remove the late fees as I continue to stay a member of Capital One. Is there any thing that I can possibly do to remove the late payment marks? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I never entered into a contract with this company for any reason. They have furnished my credit report with negative information. This action was taken illegally without my consent. I've sent removal letters to company with no response.

Company response to consumer: Closed with explanation