vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I have lodged multiple complaints against this servicer about the calculation of eligible payments to my PSLF status. On XX/XX/21, I submitted a packet via fax and standard mail detailing my disagreement with payments that were considered eligible. That packet will be attached to this complaint. Notably, the majority of my disagreements center around 2 issues. 1. ) " Billed total due amount is not satisfied '' and 2. ) " Your payment was received outside of the payment window. In all cases, I have submitted bank statements demonstrating that in fact the correct amount was paid, and that it was paid within the payment window. This is detailed in my attachment. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have been a customer with this bank since I was XXXX XXXX XXXX. Over the years they changed names and been bought out but I always stuck through with the same account. Since it became peoples United bank I have never had so many issues. 
I have been on partial unemployment due to covid and working part time at my job for 11 years. Unfortunately most of our staff has quit because of vaccine mandates which has effected my hours greatly to the point I have not been scheduled. I figured I can collect while I find a new Job for the time being. Unfortunately at the same time I also been cut off unemployment completely. I have a family of XXXX. XXXX children. We now live off of one income. I cant afford daycare and this has all happened with in 2 weeks. My life has been completely flipped up side down. Now Im scrounging up change to buy milk. Its very overwhelming how much can change out of your own control. During this time, bills were still being paid. I have since then turned off all automatic bills in my account. I have been in negative for two weeks and since Im in negatives I been hit with 16 over draft fees. XXXX  dollars total. This is an excessive amount of money for over draft fees all at once. I cant get my account out of negatives because I dont even have the funds to do so and the 16 over draft fees has made it impossible. Top priority is to keep my mortgage in good standing and food in the kids bellys. Please take my situation into consideration and wave some of these over draft fees. 
Thank you XXXX XXXX XXXX XXXX, 2021 2021

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-10 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: OH

Complaint narrative:
This third party collection agency XXXX XXXX XXXX, I have no knowledge to whom this company is nor why they have my personal information attempting to collect a debt. Since I have no knowledge of this company nor have ever heard of them, this needs to be removed from my credit report. I thank you in advance for carefully looking into this matter on my behalf to remove this creditor and this account. Also, I still see my name misspelled of my reports that I have requested to be removed. Please remove those names off of my report. Each one of them seems very suspicious that they would be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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.

Complaint narrative:
Hello I am experiencing problems using Coinbase Wallet. I have been in contact with their customer support but over several weeks now but so far they have not been able to help me. 

On XX/XX/2021, I created a Coinbase Wallet, linked it to my Coinbase profile, and wrote down my unique word combination ( password ). 

A few weeks later, on XX/XX/XXXX, I sent XXXX  coins from my Coinbase account to my Coinbase wallet ( I got below message as an email from coinbase at the time ). 

Congratulations! You have successfully sent XXXX XXXX to XXXX. You can view transaction details in your Coinbaseaccount. To facilitate this transaction, you paid XXXX XXXX ( {$1.00} USD ) in network fees. 

Now, a few weeks ago I tried to log into my coinbase wallet using the same unique word combination that I wrote down in XXXX when I opened the wallet. However when tried to log in, it seemed like this created a completely new coinbase wallet account. I checked on XXXX, all my XXXX are still in the wallet ( XXXX ), but when I now go to active wallet in my Coinbase Wallet App, none of the " active '' wallets are the one that received my XXXX back in XXXX. 

Cleary my word combination is correct, but I wonder where the wallet is that received my coins? What happened to the wallet that I linked to my Coinbase account on XX/XX/XXXX? 

They should be able to see that the coinbase wallet XXXX is linked to my Coinbase account, correct. 

As mentioned, I have reached out to their customer support multiple times already, but so far the replies weren't very helpful. I am using the XXXX app ( XXXX ), but don't think this is a software bug but something more serious. 

Thanks XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
I have receive numerous daily calls for the past 12 mos or so from this debt collector, Harris & Harris. After figuring out how to block their number, they still call and are able to leave a messages. There is zero contact from them through the mail. 

I called them on XX/XX/XXXX I called them back, verified all my information and asked them to stop calling me, twice, and to only contact me via U.S. mail. 

They have since called on Sunday XX/XX/XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a letter from Citibank attorney and I was served and I got a call from a attorney and he threaten to sue me and have the police come to my house take my property and I dont work Im on XXXX and I have no money and I live with my parents now I didnt apply for a Citibank Best Buy credit card I send in a police report few times and each time they denied my fraud claim and wouldnt send me a fraud affidavit at all and keep sending paperwork to a wrong address and it would get forwarded by USPS to my new address. I dont live in XXXX  XXXX XXXX  XXXX XXXX Texas and they are harassing my neighbor.. the XXXX residents.. Citibank attorneys are threatening me with jail time and seized my property and I have call records to prove that and Im asking them to leave me alone

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 2021-10-10 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: OH

Complaint narrative:
The following is a list of disputes on my report that was ot resolved as " verified '' per the FCRA. I disagree with the following information & have been requesting the items be deleted due to teh inaccuracies. In addition to the information being inaccurate, I have requested 10 times now a " METHOD OF VERIFICATION '' from Experian, which I have not gotten. 

1. XXXX XXXX XXXX XXXX - Account number XXXX Reason # 1 : Terms is reporting incorrecly as 89 months, which it is suppose to be 72 months. 
Reason # 2 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Monthly payment is being reported as {$0.00}, but if that is the case then the late apyments needs to be removed or the account needs to be removed from credit report. 
4. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : the account is be reported as " charge off '' on XX/XX/XXXX. How is an account that was paid off before XX/XX/XXXX considered a " charge off ''? 
5. XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Recent payments is marked as " {$0.00} '' would is accurate if I have been making my monthyl payment of {$410.00}. 
6. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Account type shows " charge card '' when ti should be " credit card ''. This error has been ongoing for 4 years. 

I've tried to handle things with the CRA themselves, but Experian has been difficult and given me a difficult time regarding these errors. Accounts needs to be deleted for continuous inaccurate reporting. I have exhausted so muh MONEY and TIME in the process. I have mailed dispute after dispute, pointing out the inacuarcies and adding new information to substantiate my claim and have been giving the " run around ''. That time stops now. And this needs to be removed.

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 2021-10-10 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 — Investigation took more than 30 days
Company: Uplift, Inc
State: IL

Complaint narrative:
I have filed a dispute in regards of items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC
State: CA

Complaint narrative:
my name is XXXX XXXX, I am who I say I am and no third party is involved with submitting my complaint. 

on XX/XX/2021 I entered into a consumer credit transaction with Carvana when I filled out an application to use my right to extend credit for personal and household purposes. Since Carvana operates under Truth in Lending and a Finance Charge is involved with this credit transaction I was surprised to see that they required a " down payment '' from me when a Finance Charge as defined under 15 usc 1605 is the sum of ALL charges in any consumer credit transaction and does not include charges of a type payable by a comparable cash transaction. 

So I called Carvana 's customer service line to try and resolve this issue and every rep I spoke to was willfully and knowingly giving me false and inaccurate information regarding the existence of their " required '' down payment. After speaking with underwriting they still continued to give me false and inaccurate information and continued to schedule call-backs which they said would be 24 hours, but I had to continuously call back and it took over a week to finally get to their executive complaint department and they too just gave me the same false and inaccurate information. Carvana is now in violation of 15 usc 1611 and can be held criminally liable for willfully and knowingly giving me this false and inaccurate information and for failing to comply with any of the other requirements under TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got notice from Capital One I was delinquent on my loan with them for a truck in account ending XXXX. I dont and I never had a vehicle through Capital One. I did not buy any truck. Eventually I saw the account online, it appears XXXX was paid and XXXX is remaining and they want it from me.I am not paying for what is not mine. I have repeatedy asked for a copy of what I signed or what causes them to say this is my account and they will not, I told them this, that XXXX bought no truck through them ever in my life. Instead of providing me anything showing I did anything wrong they sent me a pre-written statement to sign saying that they believe I have committed loan fraud. I refuse to sign that and told them to put me in jail for fraud. I have been a XXXX XXXX 51 years. My position XXXX XXXX XXXX, I kept that position over 20 years and I have no bad conduct of any type in any internal affairs file anywhere..I certainly have no arrests. My credit report shows a 200 point drop ... this should be dropped as they refuse to show me what I did and when. It has been close to a year and the only action is to accuse me... They need to drop it or put me in jail. My credit MUST be restored ... Hard to imagination someone buying in my name but I know its done, harder to believe they accuse without saying why.or showing me just what I am supposed to have signed.I have talked to them more than several times about this and each time I am told they will look into it and here comes another " you owe '' .Many times I have requested the documents I have signed and they agree to send and they never come... If I did this I sure wouldnt challenge to put me in jail but I do... I owe them noththing and have two other accounts that are good in fact one is overpaid however they have done something and when I try to use my cards they are rejected ... accused without cause, denied what I have congracted with them to do.It should be noted I have -0- information from them on this matter but for the statement to sign where they accuse me. OPEN MY REAL EXISTIN ACCOUNTS, FIX MY CREDIT REPORT, OR PUT ME IN JAIL< GO FOR IT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: MI

Complaint narrative:
In 2019 I paid my last bill with XXXX XXXX XXXX  and instead them ending the contract they wanted to up sale me. I have filed complaints against XXXXXXXX XXXX XXXX  before. It's been about 8 months sense the last complaint I filed against XXXXXXXX XXXX XXXX. Now XXXX XXXX XXXX  sent my a collection notice through a company called AFNI. Now XXXX XXXX XXXX has a different amount, They are referring to this as a discounted offer. This is a fraudulent attempt by XXXX XXXX XXXX  to collect money not owed. The amount XXXX XXXX XXXX  said I owed is {$490.00}. Now, it's been reduced to {$270.00}. When I contacted the company before I filed my original complaint, all their customer service reps acted as they did not know who I was. All of their reps read from a script so they are not going to try to solve any problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
On XX/XX/2021 I revived an email solicitation to apply for the Wyndham Rewards Earner card. The promotion stated that this was their " Best offer yet '' earn XXXX  points after spending {$1000.00} in the first 90 days then XXXX  after spending {$2000.00} in the first six month. I applied for the credit card under this promotion by clicking on the links in the email solicitation I received. 

On XX/XX/2021 I received any email stating " Congratulations! '' " Welcome to you new Wyndham Rewards Earner Card account '' I was approved for the new account. 

On XX/XX/2021 I received an email stating my card was active and ready to use. " Just a note to confirm we've activated your Wyndham Rewards Earner Card on XX/XX/2021 '' I have spent the required amounts to receive the bonus points promised but they were not showing up in my account, I have made over 20 calls to get this resolved no one has been able to get this fixed. At one point they asked me to fax them my documentation showing the promotion I applied for, I did so and still not response.

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 2021-10-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I disputed an international transaction for tainted products purchased in XXXX, XXXX which only showed itself to be bad ( fuel ) after 24 hours. 

I disputed the claim with Bank of America, my credit card issuer. They gave me a time frame of less than ten days to get a " qualified second opinion '' which had to come out of XXXX, XXXX XXXX. I signed the continuance letter provided by B of A saying I wanted the dispute to continue, but I needed more time to get the documentation from XXXX ( this is for XXXX diesel fuel ). The customer service agent assured me that I would be given an adequate amount of time for my expert second opinion. 

However, within 36 hours of filing the second opinion expert letters, my dispute was refused, ostensibly because the US Government had immutable guidelines on document presentation on disputes. Giving a consumer the short end of the response timeline in no way benefits the consumer, and in my particular case, it was daunting an onerous, since I had to deal with different nations and their work practices therein. I can not change the way XXXX America works, and I can not change COVID lockdowns. I made the bank aware that I would get the documentation they seek as soon as I was able ( it took ten days ). 

I find it unconscionable that the US government would favor the credit card company ( XXXX ) and the bank XXXX Bank of America ) with a 60 day investigation/response time yet provide the consumer with ten short days. 

I wish to dispute this resolution from B of A ( dispute case # XXXX ) in the amount of {$6100.00} USD and wish to have this artifice of a timeline for document review reset. I noticed B of A in good faith I needed more time to get the documents from XXXX, and they acknowledged as much.

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 2021-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
My mortgage company is reporting 13 late payments while the mortgage was in modification and the modification was approved.

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 2021-10-10 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: AL

Complaint narrative:
On XXXX XXXX someone stole and used my discover card in a casino, I reported it as fraud but have been charged the entire amount on my card causing it to overdraw, max out and ruin my credit. {$2400.00}!!! was added to the account.My rights were violated by the Fair Credit Billing Act, FTC.I should have been charged a maximum of $ XXXX spoke to several people.XXXX told me my case was closed and there was nothing else he could do and XXXX, wouldn't give last name, spoke to him XXXX XXXX a supervisor, said would open case with new info, which I provided and possible scenario of what might have happened .No adjustments to account just overdrawn balance and many fees.Please Help, their XXXX fraud liability has not been applied to me.Also, someone could easily get my pin, just pretend to be me and giving them the info off my card and you enter the number yourself, fraud dept. should know this info already.Also, I don't want to file a police report to get my credit reversed, I feel like I'm being bullied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LoanCare, LLC
State: WA

Complaint narrative:
I filed chapter XXXX bankruptcy XX/XX/XXXX. My mortgage was not included and has been and is still being paid on time every month. My credit report states I filed bankruptcy on my mortgage and does not show payment history or balance since the filing of my bankruptcy. I am in good standing with my mortgage and it should be used to increase my credit score but instead there is no info. I had problems with them already holding my payments and not posting them and reported them to the irs for not posting my XXXX and XXXX payments that were taken out of my account in XX/XX/XXXX and they put in a holding account and didnt post until XX/XX/XXXX so they didnt include on my mortgage interest statement. I provided documents to IRS and they told me I was correct and to claim it and they are investigating them now. They keep holding my payment in a holding account making it look like its late on my statement when it arrives and it clearly states XXXX thank you for payment ( in holding account ) when I call they tell me not to worry about it but they are obviously scamming me. And XXXX did nothing about it. Obviously if I had submitted my house in bankruptcy I wouldnt be paying it and it would have been taken from me. I pay on time every month!

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