vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have XXXX USD in my online account with coinbase.com. I got a new phone which invalidated their 2 factor authentication. I 've gone through all their processes to reset the 2 factor auth for a new device, and I 've heard no response from them. I 've filed a support ticket, I 've sat on their support phone line for hours, and still nothing. It 's been 3 months and I ca n't access my account to withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have never been behind with this company as soon as I went behind they non stop call me. I have received at least 10 calls a day. On X/X/18 I received 8 calls. After the first 3 calls I called them back and advised them they keep calling me over and over and this is against the law. They said I am sorry and then called again 5 minutes later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NC

Complaint narrative:
We made an online purchase at bestbuy.com on XXXX  using the Best Buy Citi credit card for interest free for XXXX  months. The total charge per my email received was XXXX.  The appliances were delivered XXXX. Upon installation, the refrigerator did not fit in our home and had to be returned XXXX).  My first bill was received in XX/XX/XXXX, showing a balance of XXXX. I noticed two charges of XXXX on this bill at the time and called in, this started by journey with the companies.  Over the next several months, we tried disputing the charges, reporting fraudulent use, etc.  Best Buy, Best Buy.com, and CITI cannot confirm charges that we are not aware of. We had one charge and I am still finding a discrepancy of XXXX, which has been sent to Citi. We had a supervisor with Citi that promised to resolve and agreed with my research on payments, charges, returns and at this time, they are not responding.  I have advised CITI and Best Buy if they can confirm all charges on our card, since the only charge we did was on XX/XX/XXXXand they prove they are ours that we authorized, then we have no problem paying the balance, however, in my research on the charges, return of the refrigerator, and payments, we are being over charged XXXX. It is baffling that no one at Citi, XXXX, or XXXX can confirm all charges. I have spent several hours working on this with the three divisions and get bounced from one area to another without warning and referred to the next department and back to the original. XXXXXX/XX/XXXX
-XXXX  XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>
XXXX XX/XX/XXXX
-XXXX XX/XX/XXXX-XXXX XXXX 
XXXX XX/XX/XXXX-XXXX XX/XX/XXXX-XXXXXX/XX/XXXXXXXX credit for disputed charge
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX  XX/XX/XXXX
XXXX XX/XX/XXXX-XXXXXX/XX/XXXX
XXXXXX/XX/XXXX
XXXX  XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
XXXX XX/XX/XXXX
= XXXX is what my calculations come up with

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 2018-01-02 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: FL

Complaint narrative:
I have submitted disputes to Experian on multiple occasions regarding the XXXX XXXX  COLLECTION ACCOUNT. Experian has alleged that they have verified the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ; however, have failed to substantiate how they verified that the account belongs to me. Instead, Experian forwarded me a form letter of their investigation process. Moreover, XXXX XXXX has not provided a contract illustrating that I agreed to the debt. It is also imperative to note that I am a " XXXX, '' so the alleged debt can belong to my father and has not been validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I purchased a promotion item, interest free for XXXX, with my Home Depot credit card. I paid off the promotion item in time but Home Depot applied my payments to other charges I made after the promotion purchase. In other words, they applied my payments to my most recent purchases, thus voiding the promotional offer and causing me to accrue {$100.00} interest on the promotional purchase.

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 2018-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The student loan is with Navient. 18 months ago- in XXXX XXXX  2015 I called Navient as they pushed my payment to over {$700.00} a month which I did not have. I asked them to lower my payment as I could pay them {$500.00} a month. They refused and told me my only option is to go in forbearance until I can make the full payment. They were unwilling to help me even if I offered them money and they did not explain any alternative options to me. They only gave me one choice which was forbearance at a very high percentage interest. This is impossible to ever pay debt if they just charge interest and there is no affordable way to pay it off. After all my expenses in my household I dont even have {$700.00} in cash flow to afford to pay the loan and I dont even have a car or credit card payment. The income driven plan is overpriced and not affordable- seems like it is meant to make customers go in forabaramce so they can collect interest. They dont give consumers any other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are XXXX ( XXXX ) recent inquiries ( XXXX XXXX XXXX - XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX/XXXX/XXXX ) ; XXXX XXXX - XXXX/XXXX/XXXX ; that were not authorized by me or permissible in accordance with the Fair Credit Reporting Act, Section 604. Despite my attempts to resolve this matter via telephone, I was unable to get assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: MN

Complaint narrative:
I receive an credit alert from XXXX XXXX by email on XX/XX/XXXX noting that there is a new collection account on my credit report. I noticed that a debt buyer collection company added it my credit report stating that I owe a payday loan company by the name of XXXX XXXX XXXX. I do n't owe them anything. I paid off all my debtors that I knew about but one company, XXXX XXXX XXXX that is still on my credit report. I do acknowledge owing them. This collection account, however, was not on there. It was just added on XX/XX/XXXX. I 've been checking my credit report regularly throughout XX/XX/XXXX ; even disputing items and getting them removed. Midwest Recovery Systems is no stranger! One of their debt items was removed from my report. They bought out one of my accounts and it was paid as agreed. Then a month later, they added another collection to my account for the same debt that was paid. I contacted the credit bureau and they removed it and ordered Midwest to send me a letter noting that they removed it from their account too. In other words, they tried to get me to pay off the same debt twice! If I was n't checking my credit report, I would have had an extra collection account on it which would have affected my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
I 'm unable to get up to date information on transactions from either the automated or phone teller on my checking account. This has resulted in my having to pay returned check fees because XXXX XXXX XXXX ca n't provide me with the information on checks cashed or processed electronically more than 25 days after the transaction via the automated system or banking tellers. The automated bank phone system is extremely disorganized I go through the entire prompt system still am unable to find out when the sent my payments or transactions were process till more than a month later. When I call in XX/XX/XXXX and XX/XX/XXXX to address this matter I was not given a straight answer on my account and why there system is not up to date. The XXXX XXXX teller just blamed four different merchants I sent payment to for them not being able to provide me with the most current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: AES/PHEAA
State: NC

Complaint narrative:
I have reached out to XXXX to discuss inaccurate posted information that has been reported to my credit bureau ( s )  with no actions taken to correct the inaccurate information by XXXX. 

My student loans have been unfairly and inaccurately posted 90 days late to all 3 credit bureaus and XXXX will not remove the incorrect information after numerous phone calls and letters being sent to the XXXX credit department. 

I feel that my loans have been unfairly and inaccurately reported because I was never notified via US Mail nor telephone call by XXXX. My loans have always been in deferment since my departure from University due to health issues related to me being confined to a XXXX and issues surrounding my XXXX XXXX injury. 

XXXX is saying I was 90 days late and the only reason I found out about this information is that I was alerted when my credit score dropped over 390 points one day.  Unbeknownst to me, XXXX is stating that the sent me a message to my inbox on XXXX website. I do not check this website ever, never have. And no one has ever told me that I need to check this website on a monthly basis to check the status of my account with XXXX. 

XXXX unfairly reported me to the 3 major credit bureaus and has ruined my credit to the point I may not be able to move from one apartment to another this summer when my lease is up. My score went from a XXXX to XXXX overnight because of their unfair billing tactics and failure to properly notify me that my loans were no longer in deferment. 

Since the unfair credit reporting incident. I have filed multiple applications with XXXX in order to get my account back into deferred status. This process is lengthy and time-consuming and all computer-based meaning you are unable to speak directly to a human being in regards to the status.You just have to wait. This unfair process caused me to accumulate more late months because their process is slow and unfair. After three months of trying to get my accounts current and back into deferred status, I was denied and I was able to submit an Income-driven repayment plan of which I was ultimately approved for. Monthly payments are now {$0.00} for the next 12 months based on my current income. 

I reached out to XXXX and told them about the inaccurate reporting and they have denied multiple requests to withdrawal their inaccurate and unfair reporting to the credit bureaus and I feel this is completely unfair. 

Please assist me in having XXXX remover the Negative reporting for all of my loans that have been reported to ; XXXX, XXXX, and XXXX. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I placed a wire transfer from my XXXX XXXX account ending in XXXX to Coinbase, Inc for a total value of {$3500.00}. The transfer cost me {$25.00} up front and {$10.00} when received. I placed the transfer on XXXX  XXXX XXXX, XXXX. Wire transfers are supposed to be same day if placed by XXXX PST or next day if not. I sent the money at XXXX EST. It is now XXXX XXXX, XXXX and I have yet to receive the money in my CoinbaseXXXX account. I would like to get this issue resolved as soon as possible and would further like the fees tacked onto the transaction waived because I have lost XXXX of dollars by not being able to invest my {$3500.00} into desired companies. The transaction number is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
I applied as a renter for a home and noticed on my credit report that I had one account in collections. My report states I had a debt of {$300.00} opened onXX/XX/XXXXto Franklin Col and the account was closed on XX/XX/XXXX. Remarks state paid collection, original creditor : 10 XXXX XXXX

During that time, my husband and I were XXXX in XXXX XXXX with the United States XXXX I did not receive any information from XXXX XXXX XXXX or Franklin Col about having an overdue account. I moved to XXXX XX/XX/XXXX and had paid all of my accounts prior to our move.

When we moved back to the United States XX/XX/XXXX, I reopened a new XXXX XXXX XXXX account and had no issues for flags stating I had an overdue account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
I opened an account with M & T Bank on XX/XX/XXXX after speaking with a Teller at their XXXX XXXX  branch who informed me that they were running a {$200.00} promotion to open a new account using the code XXXX. Since I was a XXXX resident she stated that I would qualify for the code and that I should come back to open an account or open one online. Both my boyfriend and I opened our own individual accounts using the XXXX code since we just moved to XXXX and needed a local bank. We qualified for all of the terms to receive the {$200.00} but it never posted within the 90 days like it was supposed to. 

When I reached out to M & T regarding this on XX/XX/XXXX, they replied on XX/XX/XXXX stating that my name was n't included on the offer, but that they continually offer new account sign ups in branch, via radio, mailing, or internet for all customers, new and existing. 

However, I feel that is not a fair business practice and false advertising to potential customers as it was advertised to me in branch by their employee and both my boyfriends and my accounts qualified for the promotion.

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 2018-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had my cash back rewards set to automatically redeem at the end of each month and go into my Bank of America savings account. The problem started when I closed this savings account due to high minimum account balances and high fees. 

When I closed my savings account I changed my preferences online so that my credit card rewards were not automatically redeemed each month. I also called the bank to close the savings account and specifically asked if there was anything else I needed to do to make sure the credit card rewards would not be automatically redeemed to a closed account. 

I closed the savings account in XXXX 2017. Each  month since then, my credit card rewards show a XXXX  dollar balance and it says the rewards were redeemed. It does not show which account the money went to. I call BofA and explain the situation. Each time they assure me it will not happen again and that my cash back rewards are not set to automatically redeem. 

The cash back rewards are not insignificant amounts for me. Since XXXX 2017, they have " lost '' a few hundred dollars of my cash back rewards. When I bring it to their attention they " find '' it, but if I am not paying attention and continually following up with them I fear they will not fix the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
MIDWEST RECOVERY SYSTEMS is reporting a charge off from the XXXX XXXX on my credit. First, its not my debt and i never had an account with the XXXX XXXX. Secondly, when i called they said it was opened in XXXX, so its past the statue of limitations for reporting. They are reporting it was opened in XXXX XXXX, They are breaking the law and i want it off my credit report immediately. They need to provide the original documentation which shows when it was opened as well as it not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a charge off from the cash store on  my credit. First, its not my debt and i never had an account with the cash store.  Secondly, when i called they said it was opened in XXXX, so its past the statue of limitations for reporting. They are reporting it was opened in XXXX XXXX, They are breaking the law and i want it off my credit report immediately. They need to provide the original documentation which shows when it was opened as well as it not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WI

Complaint narrative:
On XXXX XXXX, 2017, {$330.00} was pending to be withdrawn from my checking account by Moneygram. When I called Moneygram, they said there was nothing they can do then hung up on me. I called my bank and they stopped the payment. Now Moneygram sent it to collection. How is this legal? I never sent that money. 
I assume someone hacked there system and they want me to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Technology, Inc.
State: NJ

Complaint narrative:
i see a hard inquirie of credit technology showing on XX/XX/17 on my report that i never made request of nothing related to this and or similar company, try to contact then and they said to dispute a as non request iten ... thats the reason that iam little upset, because i trying to work out on my credit situation and unfortunately things start to pop out

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
At XXXX EST on XX/XX/XXXX, 2018 I was contacted by Ally Financial from XXXX. I was not able to take the call as I was working the call went to voicemail. On that voicemail, which I still have, the agent referred to me as " garbage. '' I do not deny owing Ally and had already made arrangements to make up the payments before this call. I have been a an XXXX XXXX in XXXX XXXX XXXX for a decade and still have never been so offended. They have a right to contact me for sure, but to degrade and humiliate someone should not be allowed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XX/XX/XXXX - Received email from XXXX XXXX telling me my XX/XX/XXXX savings statement is ready. XX/XX/XXXX at XXXX I tried to logon to web site for XXXX XXXX . I got into site, but could not view or access bank statement. I tried to contact bank via their savings contact number on web site, but just got put on hold ... no one ever answered. I waited on hold for 15 minutes then hung up. I called again at XXXX and once again heard " ALL OF CUSTOMER REPS ARE SERVICING OTHER CUSTOMERS ... '' this went on for 20 minutes. My wife and I have a large account balance at this bank. This was a very disappointing situation. I do not understand how a large bank can have such terrible information technology practices. Customers ca n't view their accounts or statements??? 
Please look into this matter for me. I would like to know what they are going so this does not happen in the future.

Company response to consumer: Closed with explanation