vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
No knowledge of this account. I was in hospital for XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX was my insurance provider at the time and paid my medical bill according to their statements. I never once received any hospital bill after XX/XX/XXXX and was under the impression everything was paid off,  nothing owed by myself or insurance. Three years later, Eastern Account Systems showed up on my credit report alleging I owe a {$2700.00} collection account with a date opened as XX/XX/XXXX. This is not only unbeknownst to me but why three years after the fact does this randomly pop up on my credit report? Not to mention, Eastern Account Systems has repeatedly harassed me on a daily basis calling from fake phone numbers, changing the city and state on caller ID each time a call is made. This not only interferes with my job but also is a major nuisance day to day on a personal level. I have NO knowledge whatsoever of this collection account. For all I know, this is identify theft. I was never sent any bills as normally would receive if money was owed by me. Why three years later does this appear on my credit report? This mysterious and bizarre collection account is damaging my credit that I have worked so hard to build. I pay ALL of my bills on time. I want this nonsense removed from my credit report as well as this bogus company, Eastern Account Systems, held  liable for harassment and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
The Debt Collection company ( Diversified Consultants ) was referred a bad debt from XXXX for a " XXXX XXXX ''. It is NOT me, but when called by XXXX they asked my phone number and address to ( I thought ) show it wasn't me. Instead they entered my information on the account and are now using that to determine it is my debt. The XXXX account was in XXXX, Texas. I have never had XXXX nor have I ever lived in XXXX Texas. 

They refuse to correct the information they put on their account and when disputed by XXXX they state it is accurate. Of course it is since they put it there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
On the XX/XX/XXXX, I attempted to make a purchase of XXXX USD of  Ethereum on Coinbase. Coinbase rejected my purchase ( directly linked to my XXXX XXXX account ) due to " insufficient funds '' in my account. First, I did not have insufficient funds, but secondly, and MOST importantly, the XXXX USD was still withdrawn from my account by Coinbase in a wire transfer. I never received the Ethereum. 

Two days later, I called Coinbase and was immediately informed that this was a " glitch '' in their system. The customer service representative kindly informed me that Coinbase would wire me the full amount in 3-5 business days. After 6 business days, I called another representative, who informed me that because of issues with banks, the transfer will actually require 10 days. After day 11, I called again, and was informed that nothing has happened, but that " a case specialist '' is working on my case. 

I called back a day or two later, and they asked me for pictures proving that the money was actually withdrawn. After rendering the pictures, I was informed that I would be receiving the money very shortly. I called back a day later, and they informed me that after sending my pictures, the company had " escalated '' my case, but due to large volume of " new users, '' it might take some time. 

I finally called back on the XX/XX/XXXX, inquiring about my case. The customer service rep informed that there were no new notes, and that actually, a case gets " escalated '' the second that a rep and customer file it in the system. This is problematic, because it means that by submitting pictures of my account, nothing new actually happened, and it appears that I'm no closer to a resolution and a return of my XXXX XXXX. 

As of now, Coinbase has {$1000.00} of my money, without justification or purchase on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: AZ

Complaint narrative:
My APR is 344 %. Arizona 's statutory maximum for consumer lenders is 36 %. I borrowed {$2000.00} and I have paid back {$3200.00} since XX/XX/2017. That interest rate is 116.93 % and the loan is void under Arizona law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
UNFAIR DENIAL OF CREDIT I applied for a business credit card at Capital One with my persoanl guaranted about six weeks ago. 
My company is financially healthy, my credit score is substantially above 800. 
My personal income last year was $ XXXX and my businesses make substnatially more than that. 
Thre weeks later I called to investigate, they claimed I was fradulent when I called to ask why the card was delayed. 
They asked me a long list of very personal questions which I answerwed to their satisfaction. 
A week later I received a credit card. When I tried to activate it, they said it was on fraud hold and I had to provide more informaiton including my photo id using a driver 's license as well as a number of answers to questions. 
I provided those to their satisfaction. They said wait three days. 
Five days later I called and they asked for more information including my social security card. I told them I had lots of information but as a XXXX year od, I did not have the original social security card, it was lost about 30 years ago. 
They said without the original social security card they would not proceed. 
I asked for secondary data that could be used. They said this was the only way to proceed. 
This is absolutely unfair. 
I am a tremendously good credit risk and have had a capital one card for more than 5 years as a private client. I have zero defaults in my lifetime and huge documentation available. 
They falsely accusedme of being a fraud. It is a personal insult in the face of my substantial business success. 
Perhaps because I always pay my bills early, they will never get high interest rates from me? Who knows why they refuse a good, upstanding citizen. 
You don't have to be poor to be cheated by a credit card company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
CRA violation no knowledge inaccurate accounts appeared on my Experian credit report. FTD ID Theft Report # 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 2018-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
The company is continuing to apply the additional principle paid to unapplied funds instead of applying the money to principle-thereby reducing my balance. I have requested this. I want it done. I feel they are discriminating against me because I had filed for bankruptcy. ADDITIONALLY they say they notified me that they are doing this. THIS IS NOT TRUE! I RECEIVED ONE NOTICE IN ALL THE MONTHS THEY HAVE BEEN DOING THIS. ONE. I have been paying extra principal for months. I do this twice a month. This company is lying through their teeth. If nothing else show me how to apply the money on line and I'll do it myself because they are too lazy to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
CRA violation no knowledge of the fraudulent accounts appeared on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Creditor : XXXX XXXX Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tel XXXX XXXX This company will not remove the amount of {$1700.00} which they say I owe from My XXXX  Credit Report. I have tried to get them to remove this numerous times. I went to court and this account was settled. There was a voluntary dismissal in the state court of Georgia, XXXX County stating the acount did not belong to me. They keep on trying to make me pay for something that was not mine in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
CRA violation no knowledge inaccurate accounts appeared on my Transunion credit report.FTC ID  Theft Report # 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 2018-05-15 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: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
the company " TOYOTA MOTOR CREDIT '' reporting on my account, replied to my dispute with a notice for deletion of said acct for XXXX.. but refuses to report the same information for the other 2 bureaus i.e XXXX and XXXX with updated information for the acct to be " deleted '' or " suppressed ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
XX/XX/18 I woke up to an alert ; my credit score dropped 50 points. I went to look and it was chase credit card. Im on there repayment program. Ive been on it for years and never had a problem. When I talked to them they claimed they called and sent a letter about continuing with the program. I dont have one single voicemail from chase. Also, I never received a letter from them. They say they didnt get any return mail but that doesnt mean anything. Ive been working for over 20 years in XXXX and Ive seen payments that were supposedly mailed out. Yes, the payment was actually mailed out when they told us and showed up months later. No one knows what happens once mail leaves our hands. Plus, we all seen what some postal workers do with mail they need to deliver. Im not saying that they didn't mail out a letter but just because there was no return doesnt mean I received it. Mail gets coded wrong all the time by the post office and ends up some where else. You would think people would put the wrong mail right back in the mail to be delivered correctly but this doesnt happen all the time. Mail also gets stuck in postal machines in the post office. There is many things that can happen. Also, why didnt they leave a voice message? I would had called back for this is my credit we are talking about. Also, for Chase to tell me it was up to the customer to call back every 12 months to continue the program is not true. Ive always received phone calls from Chase asking if I wanted to continue. 
Ive paid this account in full after trying to talk to them. 
I need Chase to be fair and take things into consideration. I need that late payment taken off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: AL

Complaint narrative:
I spent several weeks talking to XXXX XXXX, my loan finance officer at Bankers Healthcare Group ( BHG ), about a loan in the amount of {$850000.00}. After many discussions, he was finally able to come up with a loan terms that I was okay with, so on XX/XX/XXXX, I was asked to sign the loan documents. I was told that upon signing the documents that the loan would be funded in 72 hours. I did indeed sign the documents ; however, several days went by, and instead of being funded, I received a phone call from a lady that I had never spoken to, and she told me that they needed 1-2 weeks to fund the loan because they had to ensure that the property that they were holding as collateral had clear title. XXXX informed me that this call was a mistake and ensured me the loan would fund. After a week of XXXX ignoring phone calls, voicemails, text messages, and emails, he tells me that he has been out of the office due to personal issues, and that yes, the loan was pending title search. Since I had recently purchased the property via foreclosure, my foreclosure attorney was kind enough to not only email his title work to BHG, but also speak with XXXX on the phone on XX/XX/XXXX to let him know that the land had no liens against it other than the first lien, which I was going to use the proceeds of this loan to pay off. XXXX texted me on the evening of XX/XX/XXXX to tell me that the loan was finally clear to fund, and that I would receive my recorded phone call on Friday, XX/XX/XXXX. After that call, the loan would fund. It is now XX/XX/XXXX, and not only have I not heard one word about my loan, but once again XXXX is refusing to return my text messages or phone calls. The lien that I am paying off is a hard money note with interest of right at $ XXXX/day, so XXXX was well aware at the beginning of our talk that the loan needed to fund fast so that I could pay off the hard money loan. This delay of now 20 days has cost me thousands of dollars, and I am demanding an explanation because this is simply unacceptable!

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 2018-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I transferred {$2500.00} from my personal wellsfargo account to my joint wellsfargo account ( with my wife ) on XX/XX/2018 so that she can honor a contract on my behalf. The contractor told me i was to pay an upfront payment 24hours of him sending me his insurance details, that was the purpose of the money. My wife went to the wellsfargo branch to try to get the money, wellsfargo deducted the funds from my account only to tell my wife that the power went out and they wouldn't be able to give her the cash, meanwhile my contractor was waiting for my wife.

This is the first time i am dealing with the contractor and my words mean a lot to me. wellsfargo told me i would have to wait till the following day to be able to access my funds, and the branch manager could clearly see it on my wife 's phone that the money had been deducted from or account. Due to wellsfargo NO CARE attitude i lost the confidence, trust and respect from my contractor and i also breached our contract.

Wellsfargo made no attempt to try to resolve the issue immediately.

I applied for a loan the day before, wellsfargo wold grant my request and now they are holding my funds hostage and making me look incompetent and untrustworthy.

I am supposed to receive a shipment tomorrow at the site where the contractors are working on, but because of wellsfargo, there will be nobody on site to receive the package, the shipping company called my today they they will be delivering the product tomorrow, now the product might have to be sent back because the contractors wont be on site, all because of wellsfargo. This is not fair. Wellsfargo as caused me so much pain and distress today, its not fair how they treat their customers. They are very quick to take ot money for charges, but they are not ready to help.

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 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
Portfolio Recovery Assosciates has called my place of employment every day, for several months. As soon as we answer the phone and identify ourselves as a business, they hang up. I have consistently called back the numbers and asked them to remove it from their system. 

Today I am filing a complaint because during my 10 hour shift, there have been 8 calls/hang ups by several different numbers that when called back all route back to Portfolio Recovery Assosciates. 

This is a clear attempt to harass one or more employees who owe debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
On XX/XX/18, I received a collection notice from Sunrise Credit Services Inc. stating that they are attempting to collect a debt owed to XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX around XXXX XXXX and they stated that I have no outstanding balance that would have been referred to collections.I called the collections agency and they refused to provide any information on the debt other than saying it was from XXXX XXXX XXXX XXXX. The representative that I spoke to refused to provide their name, refused to allow me to speak to a supervisor, and refused to allow me to dispute the debt. The creditor account number referred to on the collections notice is not the same as my account number with 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 2018-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd
State: AZ

Complaint narrative:
On XX/XX/18 I found out I owe Nationwide Recovery Systems {$900.00}. I called them XXXX, the number reported on my credit report, I spoke to an agent to settle the debt. I settled for {$540.00} and asked for a letter sent saying the debt was settled. The agent stated yes but only sent me a receipt. I called back spoke to the agent again and he said he cant send me the letter until 30 days. I said I wish to speak to a supervisor but he placed me hold brought on a supervisor who sounded a lot like the original rep. The supervisor said I have to wait the 30 days but if I want it now I have pay the full amount. I explain that was never explained to me, I explain I need that letter but he said pay the full amount and if I keep up this attitude then they wont settle my debt. I stated im going to report them to the CFPB and they said maybe they can do it in 10 days but to call them at XXXX and ask for XXXX XXXX. also he refuse to escalate my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: AES/PHEAA
State: NJ

Complaint narrative:
In XXXX-XXXX of 2017 I was unable to make payments due to being out of work. I was not receiving any income due to a medical leave of absence. I am up to date with all payments and made back payments as well. Please consider removing this from my credit score as I was unable to control hospitalization. I am now trying to purchase a home and due to my low credit score, I am being denied the loan amount needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
During the Month of XX/XX/2016, I had a XXXX XXXX done at XXXX XXXX XXXX in XXXX Nevada. The cost of the XXXX per the statement i received was reported as {$1000.00}. Of this amount, {$760.00} was paid by my insurance leaving a balance of {$250.00} which was billed to me as my portion. I called the XXXX XXXX XXXX and told them that I was unable to pay the balance off right away and that, I would like to make payment arrangements. They refused to take payments and as a result, reported me to a collection Agency known as XXXX located at XXXX XXXX Nevada. XXXX intend reported me to the Credit Bureau as owing {$470.00}. I disputed this amount with the credit Bureaus but they said per XXXX record, the amount of {$470.00} was verified to be correct. 
I contacted XXXX and requested the breakdown of the charges and also the reason why they are asking me to pay {$470.00} instead of the {$250.00} bill that was originally sent to me. They have so far refused to give me the breakdown or the reasons why they arrived at {$470.00}. I do not believe I owe {$470.00}. I am willing to pay the {$250.00} but not the {$470.00} they asking me to pay. I do believe they are ripping me off. I am a XXXX years old man in poor health with XXXX and this people are trying to rip me off.

Company response to consumer: Closed with explanation