vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: WV

Complaint narrative:
On Thursday XX/XX/XXXX I submitted two checks electronically ( I had left my debit card at a friends and had n't retrieved it yet ). Throughout the weekend and into Monday of the next week I used my card. The eclecteonic checks showed pending over the weekend and I was under the impression my account wa seer up that if I did n't have the funds my card would be declined. My card was not declined throughout the weekend. During Monday night processing, the debit card transactions all posted but the bank then posted the checks after the debit card purchases. Even though they had be submitted prior. I called the bank to dispute the fees because the ACH transactions had appeared on the account when purchases were made yet posted after the debit transactions. The agent ( and manager I spoke with ) said that posting order had been changed and now checks posted after debit card transactions. ( Which is think is predatory since they can no longer charge fees for debit card transactions that they authorize if funds are n't available. ) Neither the agent or the supervisor knew when the posting order had actually changed and when I asked the manager XXXX to speak with her supervisor about it I was told that I could n't speak to them and they did n't speak to customers ( I looked at the banks published information online as directed by the supervisor and qouter to her what the online materials said and she argued that that information was incorrect and that I must be looking at the wrong banks information ). I have since been charged another fee for sustained overdraft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I discovered this tradeline on my credit report so I requested validation in accordance of FDCPA and Texas Debt Collection Act onXX/XX/XXXX ( attached ). OnXX/XX/XXXX Caine & Weiner responded ( attached ) but did not provide me with any proof of validation or any proof they are even allowed to collect debt legally in Texas. I have also disputed directly to credit bureaus under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I travelled to XXXX XXXX XXXX XXXX for one evening. I went out to dinner with friends and used the ATM machine twice either at the restaurant or ATM machine my card was skimmed. THe perpetrators were able to use my PIN and withdraw funds from multiple locations within minutes of each other. At the time these transactions were taking place I was on a bus back to the airport. ALl supporting dicumantation was given to the bank manager. Originally my claim was denied, one purchase was blocked but was then approved on the second try. The bank has not contacted me when I asked to escalate to a supervisor and no transaction or other records have been forwared to me as requested. My account have always been in good standing and this is a business account. 

I flew out Saturday and back to XXXX on Sunday, my flight left at XXXX XXXX and I supplied a bus ticket receipt for XXXX departure. I notified the bank the very next morning but they said they could nto do anything becasue the cahrges were still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
All the inquiries fromXX/XX/XXXX and XX/XX/XXXXare not from me. Somebody has been applying for things in my name. The only valid one is for XXXX XXXX. I had to place a fraud alert on my credit because somebody has my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
OnXX/XX/XXXX I pulled my credit report and noticed that Ocwen has not closed my mortgage loan even though they received {$130000.00} that paid off the loan completely. I notified them through email on that same day (XX/XX/XXXX ) and they responded on the same day that they received my email. A couple days later I received a letter from them that stated " credit reporting for each month is made by the third ( 3rd ) week of the following month. The loan will be reported accordingly forXX/XX/XXXX in the third ( 3rd ) week ofXX/XX/XXXX ''. Well the third ( 3rd ) week inXX/XX/XXXX has come and gone, and Ocwen has failed to report timely and correct information as they had stated in writing. Please see attached copy for Ocwens response. 
With Ocwen failing to provide true and correct information to the credit bureaus they continue to harm my family financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I had two visits to two separate hospitals in XXXX 2017. Both owned by XXXX XXXX XXXX. Both use the same debt, and collections agency, XXXX. I was approved for a financial assistance program for my first hospital visit ( XXXX XXXX XXXX ), making that visit cost nothing. This assistance program also covered the ER visit to the XXXX XXXX ( XXXX XXXX XXXX XXXX ), however not the Dr 's bill, which I was given a letter totalling XXXX. Approximately 1 month later, I was given another letter stating that I now owed XXXX, due to the company stating that the " Dr. From the first hospital decided not to go through the financial assistance program '' and I was now required to pay an extra {$600.00} From the first visit, which was already taken care of months prior. After asking to speak to a supervisor, the rep on the phone kept asking why, and would not put me through to one. I then told them I would have to look into this myself. I have not contacted them since. I am an employee in the XXXX XXXX at the first hospital I was seen at, and have spoken with the provider I had on that visit. He himself has stated that he has never said any such thing about reneging on this bill.

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 2017-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I discovered this tradeline on my credit report listed by Ad Astra Recovery Services Inc. I sent them a dispute letter datedXX/XX/XXXX ( attached ). OnXX/XX/XXXXthey responded with this letter ( attached ). Nowhere in the documents provided do they prove I actually owe a debt. Nowhere is a contract bearing my signature or any proof they are even legally able to collect debt in Texas. Where the signature would be someone has typed in my name ( see attached, circled ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
To Whom It May Concern, After reviewing my credit file, I noticed an account was listed for {$36.00} with SCA Collections. Not only have I never been to this doctor, after speaking with SCA Collections, they had no interested in looking into the matter. I then sent them a certified letter stating that I was requesting a validation of this debt. In return, they sent me a letter stating their process and suggested that they have complied with the validation request by sending me a letter of their process. I have since called them back and demanded this debt be validated. I was then sent to a supervisor 's voicemail. I called back again and asked to be sent to the President of SCA Collection 's voicemail. I have yet to receive a call back after months of attempting to get this resolved with SCA and XXXX. As I have mentioned, I have never been to the doctor they have suggested and despite my attempts to validate the debt, they have refused to do so. In addition, after looking up SCA Collections with the South Carolina Secretary of State, I noticed their license was forfeited in South Carolina.

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 2017-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I found this tradeline listed on my credit report. I send a dispute letter onXX/XX/XXXXto Portfolio Recovery Associates LLC to dispute the debt in accordance of FDCPA and Texas Debt Collection Act ( attached ). They have not sent any proof of any contract bearing my signature or or showed any proof they are legally allowed to collect debt in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
OnXX/XX/XXXX Diversified Consultants Inc wrote that they closed the credit line in my name and ceased reporting to the credit bureaus ( attached letter ). However, onXX/XX/XXXX I discovered the account was still being reported to credit bureaus ( attached credit report ). I have since sent disputes according to FCRA to credit bureaus. However tradeline is still being reported by Diversified Consultants Inc to credit bureaus. This is a violation of FCRA and FDCPA!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TCF & ASSOCIATES
State: CA

Complaint narrative:
Received call at work from " XXXX XXXX '' at XXXX and XXXX, XXXX, also known as The XXXX XXXX, claiming they would take me to court for " malicious intent to defraud a financial institution '' and " breach of legally binding contract. '' I contacted the original debtor and they have no record of me owing them money. I have paid all my debts and have a good XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-27 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX.XXXX.17 my wife made a purchase al XXXX XXXX XXXX located at XXXX XXXX and XXXX XXXX XXXX XXXX for XXXX usd  which she paid with her Sears card. At the time of payment I was offered a card which I received days later. The problem is that the same purchase made by my wife is also being charged to me for XXXX or a same purchase are being charged twice.

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 2017-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Received call at work from " XXXX XXXX '' at XXXX XXXX  XXXX, XXXX, also known as The XXXX XXXX, claiming they would take me to court for " malicious intent to defraud a financial institution '' and " breach of legally binding contract. '' I contacted the original debtor and they have no record of me owing them money. I have paid all my debts and have a good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
i have unathorized credit inquires on all 3 credit report agengencys XXXX transunion and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
to whom it ma concern ; I have mailed multiple letters to all the CRAs onXX/XX/XXXX by certified mail in regard to the accuracy of the bankruptcy on my credit report. They received the letter right away on XX/XX/XXXX and replied after 2 days that it has been verified and that its mine through XXXX XXXX. I called XXXX XXXX to confirm if the CRAs indeed verified it and they said no one called them and even XXXX XXXX  ca n't verify all my information since they do n't have enough datas, not even in my public record that matches on their system. I am a wife of a United States XXXX and literally left our lives behind in service for this country and I ca n't believe this is how they treat us. We are about to end our military service and planning on building my credit to purchase a house for my family and this report is hurting my credit score. under the new law effective XX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in or for it to appear on my credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 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: EQUIFAX, INC.
State: NV

Complaint narrative:
i have unathorized credit inquires on all 3 credit report agengencys equifax XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
i have unathorized credit inquires on all 3 credit report agengencys XXXX XXXX and experian

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 2017-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company called with numbers that were unavaible or unknown to me and never left a voicemail identifying who they were. I had been on stress leave and did not have my direct deposit going into my account and each time I bought something on XXXX though I had credit they charge my bank account. And they caused repeated nfc on my bank account.

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 2017-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NH

Complaint narrative:
Coinbase requires a link in a verification email to be opened in order to login, however I had lost access to that email and as such I have lost access to my Coinbase account. I am not able to access my {$37000.00} balance or maintain security of my account. I did some research on how to regain access to the account, and followed their instructions pertaining to this particular scenario. Then, I contacted their support via e-mail on X/XX/17 to initiate a Coinbase Account Reset Process. As of today, there has been no response by a human to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
to whom it ma concern ; I have mailed multiple letters to all the CRAs onXX/XX/XXXX by certified mail in regard to the accuracy of the bankruptcy on my credit report. They received the letter right away on XX/XX/XXXX and replied after 2 days that it has been verified and that its mine through XXXX XXXX. I called XXXX XXXX to confirm if the CRAs indeed verified it and they said no one called them and even XXXX  XXXX ca n't verify all my information since they do n't have enough datas, not even in my public record that matches on their system. I am a wife of a United States XXXX and literally left our lives behind in service for this country and I ca n't believe this is how they treat us. We are about to end our military service and planning on building my credit to purchase a house for my family and this report is hurting my credit score. under the new law effective XX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in or for it to appear on my credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted 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 2017-08-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
to whom it ma concern ; I have mailed multiple letters to all the CRAs on XX/XX/XXXX by certified mail in regard to the accuracy of the bankruptcy on my credit report. They received the letter right away on XX/XX/XXXXand replied after 2 days that it has been verified and that its mine through XXXX XXXX. I called XXXX XXXX to confirm if the CRAs indeed verified it and they said no one called them and even XXXX  XXXX ca n't verify all my information since they do n't have enough datas, not even in my public record that matches on their system. I am a wife of a United States XXXX and literally left our lives behind in service for this country and I ca n't believe this is how they treat us. We are about to end our military service and planning on building my credit to purchase a house for my family and this report is hurting my credit score. under the new law effectiveXX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in or for it to appear on my credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted 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 2017-08-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Used my Card In XXXX, In XXXX at a XXXX XXXX XXXX  XXXX my card was accidentally left there and over the next few days my card was used without my permission and was not done by me or any of my signers, I got a email XX/XX/XXXX that a large bill was payed out from my account so I logged in and saw massive fraudulent charges on my account, So I called my walmart credit card to report it, I get back home for the XXXX and file all paperwork, They get back to me saying they are denying my claim because, POSSIBLY a signer on my account has died, That I used the card the day before the fraud happened, and that my walmart card was used at walmart ... and it was my same spending habits ... I have never used over 20 % of my credit or done like 20 transactions in just a few days! I am 100 % protected from fraud and they are not honoring that!

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 2017-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX threated to suit me ( XXXX XXXX XXXX XXXX XXXX ) and threated me to take me to court while I was unemployed and on financial hardship on XXXX 2013, and I am in a financial hardship as of now, and asked me to pay {$1800.00}. they did not care and asked me to pay the debt if not they will take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have transferred over 20,000 dollars to coinbase and they would not let me wire out my own money back into my own account at XXXX. 

They made it very easy to create an account at coinbase and to wire money IN but there website would not let me wire my own money back into my own account. I have sent 3 tickets about there " verification process '' that kept saying my address is incorrect or my social security is in correct when in fact I know it is correct. It has been 3 weeks and they have not responded to any of my tickets. 

There website tells me to wait 24 hours to verify again. I have tried this for several days and there system refuse to verify my account. If they did not verify my account, why did they even accept my wire transfer coming in to coinbase in the first place? 

Now I can not wire my own money back into my own back because there website is claiming I can not be verified because my Social Security is incorrect. I believe this is an excuse to take my money and hold it ransom.

Company response to consumer: Closed with explanation