vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My school loans were originally with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I  consolidated a few of my loans. In XX/XX/XXXX XXXX XXXX reported to the IRS that my loans had been Cancelled/Discharged and a balance of {$3000.00} was forgiven and counted as income. Being in the Military, I did not receive the notice of the loans being discharged. In XX/XX/XXXX I was notified of the Cancellation/Discharge of my school loans and told that I owed taxes on the {$3000.00}. I called the IRS, Called Navient ( because by XX/XX/XXXX they were saying that they took over my loans and that is who was emailing me about my loan payments. ) I handled everything with the IRS shortly after getting the notice and it was taken care of. When I contacted Navient about the loans being Discharged, I was given a print out from Navient stating my original loans dates, the statue of the loans, the amount of the loans, the outstanding balance on the loans and what type of loans they were. On this document that I received from Navient on XX/XX/XXXX, it clearly stated that the statue of all of my school loans were PAID IN FULL and the Outstanding Principal on each loan was {$0.00}. But yet Navient is still trying to tell me I have to pay on these loans that had already been PAID/Cancelled/Discharged, and are reporting on my credit as delinquent with an outrageous balance AND continuing to take money when I file my taxes and taking money out of my pay checks. I have been going back and forth with them for 4 years now about this issue and they are extremely rude and ugly on the phone, are of ZERO help, and just making the problem worse! I am currently working with an attorney to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase processed charges to my account. These charges are UNAUTHORIZED. These unauthorized charges were posted on XX/XX/XXXX. 

Coinbase even admits to this, too. Please see attached images. 

Today, on XX/XX/XXXX, I called them and wrote them. 

They did not respond, nor answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have sent all 3 major credit companies dispute letters for some time now and i have even sent them certified.Yet and still there has been no response as to removing the negative items from my credit report.

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 2018-02-16 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
HSBC credit card are accusing me for a transaction that I didn't make. 

There system are posting wrong dates on my transaction and its there job to double check not mines. 

the transaction made on XX/XX/XXXX beside XXXX  are considered to be a frad, and wrote on their paper statement that we aren't reliable with any frad transaction and they are dening this!!! HSBC is being very unprofessional no wonder nobody really talk about this company ... 

I have been with them for only 2 months or so and they are doing a horrible job already. what a good way to welcome a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has reported a Lien on my account. 

The Company in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX. filed a lien on a fraudulent charge made in XX/XX/XXXX with their client XXXX XXXX XXXX in amount of {$940.00}. 

This merchandise was purchased by an individual in XXXX, Fl. I do not reside in that area of Florida. The original purchase took place on XX/XX/XXXX and my first notice of the lien was on a credit report dates XX/XX/XXXX. 

I have never received invoices, statements or advise of Lien from the parties involved.

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 2018-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC
State: AL

Complaint narrative:
GC Services, out of Texas, is calling from a spoofed local number,XXXX. They are looking for someone else, and I have had my number for 18 years. They called the other day and I told them I didn't know who the person was and to stop calling. The man said they would stop calling me. They just called again leaving a message to call a certain XXXX number. I don't overdue bills and am not in collection and don't appreciate them random calling to try to find someone. They need to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
I made a Coinbase purchase on XX/XX/XXXX for {$200.00} in BTC. My bank account was debited that value ( plus an unexpected {$2.00} ATM charge by Coinbase ) on XX/XX/XXXX. My bank account has been charged AGAIN for that amount ( {$200.00} ) on XX/XX/XXXX without my consent. 
I additionally purchased XXXX on XX/XX/XXXX ( {$110.00} ) & XX/XX/XXXX ( {$150.00} ). Those have not double charged but I expect them to due to the negligence on Coinbase 's part. 

I expect to be paid back my {$200.00} PLUS any additional costs that may be incurred against the XXXX  purchases. Additionally, I expect to be compensated for the error. 

Coinbase is unresponsive in email and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
usps is posting and reselling consumers information wo consent. creditors and marketers steal such info and use it to abuse the consumer repeatedly. debts under fcra guideline for removal are harassing customer after being removed from credit files. this is extortion. same creditors are attempting to further abuse and repost debt collections activity which is illegal. 

this is allowing companies like capital one to harass and extort consumers because they refuse to sell the debt, negotiate the debt or remove fraudulent debt. this is detrimental to the consumer in ways you cant fathom. 

ALL RESPONSES MUST BE IN WRITING. NO VERBAL PHONE TAG.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Today ( XX/XX/2018 ) I visited my nearest Bank of America branch to settle the fees on my already closed Business credit card account. The banker and I were transferred five different times to a customer service representative who were not able to waive the fees associated to the account, even though the account was closed more than two months ago. Back around XX/XX/XXXX, I confirmed with the customer service to ensure there were no balances remaining after I paid off my account. 

There should be no reason I am getting this billing statements, when I already confirmed with the customer service representative back in XX/XX/XXXX to completely close my account. I should be completely free from any liabilities, yet the customer service representatives have been unhelpful.

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 monetary relief
Consumer complaint received 2018-02-16 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: PA

Complaint narrative:
Equifax Breach my information last XX/XX/2017. My identity was stole and I have Fraud on my credit report. I check my XXXX XXXX XXXX and found that I have no credit report found ( see attachment ). Equifax refuses and violates the FCRA section 605B by not  blocking my fraudulent accounts. I attached my FTC affidavit and police report but Equifax refuses to accept it and is trying to find an excess to not block these fraudulent accounts. I need the CFPB to set up and put pressure to follow the law. 


Dear Equifax FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Equifax, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Equifax. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 


Sincerely, cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I am unsure as to where this is furnishing from and why, but I noticed on my credit report 3 separate amounts reporting XXXX, XXXX and XXXX. I never received a bill for this at all, nor am I aware as to where this is furnishing from. I then found a bill with a single item of XXXX which is the sum of these three amounts. There is no itemization whatsoever on the one bill received. Again, I still don't even know what this bill is. However, why is a single bill being reporting as three separate items to my report. Is any of this even legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc.
State: AK

Complaint narrative:
I had initially purchased {$200.00} on coinbase on Date XX/XX/XXXX. I again purchased another {$50.00} on coinbase on XX/XX/XXXX. On XX/XX/XXXX I was charged these exact same charges again from my checking account. These charges even had the initial charge data of XX/XX/XXXX and XX/XX/XXXX in the description of charge. I have tried to contact coinbase but 2 days later still have no had the charges refunded. I attempted to call but was no helped over the phone and was told to send support email in. I did that aswell but was given a generic response with no extra information. My case number is # XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On or about XX/XX/2017, Portfolio Recover Associates ( PRA ) reported me to the credit bureaus for a debt it claims I owe. 

PRA and I have corresponded several times since its initial contact. Within 30 days of its initial contact, I requested PRA to verify the debt. PRA produced conclusory information. I subsequently notified PRA that it had not satisfied its duty to verify the debt. PRA subsequently sent additional documentation which still fell short of the standard required to ( 1 ) establish that a debtor-creditor relationship exists ( by producing of the contract or judgment against me ) ; ( 2 ) establish the amount of the debt ( by producing an accounting of the charges ; and ( 3 ) establish that PRA was authorized to collect the debt ( by producing an assignment or agency agreement ). 

To date, PRA has only provided a partial accounting for what it purports to be a debt. Its allegation cite a third party as the creditor, and PRA has neither provided evidence that the purported original creditor has a claim against me via contract or court order, nor provided evidence that it is authorized to collect the claim alleged against me. 

In short, PRA has not verified that a debt exists, the amount of that debt, nor that PRA is legally permitted to collect it. I have sent multiple letters to PRA detailing what I ( or any court of law ) would require to prove a debt exists. Nevertheless, PRA has refused to acknowledge the additional detail and continued to purport to verify the debt by producing incomplete information and self-serving conclusory statements of its authority to collect the debt ( without providing any evidentiary support ). 

PRA has not satisfied its duty to verify the debt, yet it has proceeded to report my account to the credit reporting bureaus. I have filed disputes with the bureaus, but the collection accounts remain on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a home mortage loan with Chase, which was paid off under a Chapter XXXX. Chase, and their servicing company XXXX, tried to over charge me by some {$23000.00}, and contested that the loan was actually paid off by the Bankruptcy trustee. They eventually reneged and acknowledged that I had indeed paid off my loan. They eventually gave me a refund for that over-payment ( {$4800.00} was refunded by Chase, and {$620.00} was refunded by SPS ). Keep in mind that this was MY money, being refunded to me by them, for a fraudulent overcharge. 

Last year, XXXX tried to issue me a IRS Form XXXX for the {$690.00}, and after a huge hassle and complaints to the Texas Department of Savings and Mortage Lending and the CFPB, they later issued me an amended XXXX which was zeroed-out. This year Chase has issued me a XXXX for the {$4800.00}. I called them repeatedly. They first tried to send me to XXXX, who told me that they had not issued the XXXX, and that it was Chase 's problem. After repeated calls, Chase reluctantly agreed to send my issue to Executive Priority Review ( File # XXXX ). I called today, and they are refusing to amend their XXXX, in effect, claiming my refunded money was income from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
- In XX/XX/2017 our Mortgage company changed names from Nationstar to Mr Cooper. 

- During this time our mortgage rate adjusted to a $ XXXX monthly increase. 

- Mr Cooper sent e-mails of the change and approaching rate increase which went into our junk mail because we did not know who Mr Cooper were. We own a retail business and receive hundreds of emails a day, most of them junk ... 

- We continued to send our regular payment through our banks auto pay to Nationstar. 

- We were never late in paying as the attached statement shows. 

- The payments were accepted and held, but not posted to our account. We were not informed of this. No one gave us a courtesy call to say that we were short ( not late ) so it went unnoticed. 

- Four months later we did receive a call from Mr Cooper to say that we had short paid 4 months in a row and it had been reported to the credit bureaus. 

- Interestingly enough, Mr Cooper did call us on XX/XX/XXXX just to " check in '' and make sure that all of our information was correct. At no time during that conversation was it ever mentioned that we had short paid for the last three months. ( I'm sure they record their telephone calls so I'd be very interested to hear that call played back. ) - When we were informed of the shorts we immediately remedied the problem and changed our auto pay to reflect the new payment. 

- Since then I have tried, without success, to reason with Mr Cooper to remove the late postings as a courtesy. It is painfully obvious why we were late but they won't budge on their position. 

- After I had written to the Chairman of Mr Cooper I received a package of information from a case manager basically saying that they did everything right in their methods of trying to contact us and weren't going to reach out to the credit bureaus and help us. 

- The one thing they did not do, was to simply pick up the phone when they received the first short pay in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
XXXX XXXX ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill. The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX, XXXX, XXXX ). After a couple of months/years, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2018 2 Collection accounts were removed as a result of not being able to validate the accuracy. On XX/XX/XXXX these debts were reinserted on my credit reported with no notice per The FCRA. I attempted to resolve the issue with Equifax to no avail. A representative by the name of XXXX promised to give me a call back as it seems that it was a Tech issue that he would attempt to get resolved. I believe this was a stall tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX I requested Synchrony/walmart to validate debt ( acct # XXXX XXXX XXXX ) with my signature and on XX/XX/XXXX below is the letter.

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