vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I had XXXX phone service for approximately 3 years without ever late. I call XXXX to cancel my service with them on XX/XX/17. When I called I ask the rep how much I need to pay to cancel my service. The rep ask me why I wanted to cancel the service and I explain that I experience a lot of drop calls and that's the reason why am moving my services. he then put me on hold and came back and said I need to pay two separate payment to cancel the service. I proceed to ask why do I need to make two separate payments. he then say that I have to pay the last bill and that they also bill me in advance. I when ahead a make the first payment for {$400.00} and the another for {$180.00}. I was told that was my final bill and I didn't owe anything else. Since I never receive a bill from XXXX or a call from XXXX to say I owe anything else. Low and behold about 2 week ago a collection agencies my the name Diversified a pairs on my credit report. I never was notify by this collection agency prior to placing this item on my credit report. I believe the law states that I should be notify in writing and and allow 30days to respond to the collection agency/creditor to whether I am disputing the item in question. Again neither XXXX nor Diversified never attempt to follow the law. I am request that this Item be remove from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover bank charged me {$15.00} excessive withdrawal fees in XX/XX/XXXX {$180.00} fees in XX/XX/XXXX and {$60.00} in XX/XX/XXXX. I never received their letters they mentioned in their previous  correspondences. If they sent letters, they were never delivered. I was never informed of this. As a bank, those fees need to be refunded as a courtesy. $ 200+ is a lot to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase took XXXX Ether from me claiming that I had a balance owed for another transaction. When I looked into my transactions both from my bank as well as on their website, I did not see any additional transactions that weren't accounted for. I only saw my Ether they had taken. My cryptocurrency matched what I paid for it. 

I corresponded with them on 3 occasions asking for them to provide me proof that I owed the funds, offering to pay the balance if they could prove I owed it and they never provided it. In fact they never even offered a meaningful explanation as to why they took the funds. They subsequently closed my account limiting my ability to view the account. Since they closed my account, I can't show screenshots of the transaction history. 

I looked into this on Crypto forums and it appears that they are commonly duplicating charges and not refunding the transactions. This occurred in the XX/XX/XXXX timeframe and they closed my account in XX/XX/XXXX. 

Linked is a XXXX article from XX/XX/XXXX where it appears this happened to many people. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Every time I call customer service I must wait on hold for at least an hour to speak to somebody. This is a hardship because I am at work and don't have an hour to wait on hold! They offer to call you back if you can't wait but sometimes that takes hours and you may miss the call. This basically makes it impossible to get service. I'd switch to different service if I could, but what choice do I have?

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 2018-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent Equifax proof of a document with a dispute. Equifax is reporting I have 3 late payments on student loans ( Dept.of Education/XXXX ). According to FCRA Section 623, Equifax is in violation ( if they refuse to correct information after being provided proof of inaccuracy ). They sent me a letter XX/XX/XXXX saying it was verified. But how is that? The document I sent was a income based payment agreement from the Federal Student Loans.Gov, which is over all the student loans.I know for a fact because I just did another one recently. Equifax is reporting 3 late payments on a auto loan with XXXX XXXX that was a total loss and the insurance paid over 95 % of the loan. This has caused me financial injury. Injury to my credit report and credit score. Defamation on my character, etc.. I also noticed them reporting a late payment ( 30 days late ) on a account ( XXXX XXXX or XXXX XXXX ) that I know I called the creditor and arranged an agreement to postpone payment after a natural disaster ( Hurricane Harvey ). 
Equifax has failed to do it's part to maintain accurate information on my credit report or do a proper investigation on my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: NY

Complaint narrative:
This debt collector calls from XXXX and have been calling family members saying I have a debt and if I dont contact them I will be in a legal battle. My family have the recordings and dates of these harassing calls. I have not ever received any letters pertaining to such debt and in addition they address me using my married name which I have stopped using in all legal ways since my divorce 15 yrs ago. 

I did call them today to ask what this is all about and when I mentioned I havent carried that name in 15 yrs this representative wanted me to tell them my date of birth which I refused being they still havent told me the reason of the calls plus told them its illegal to disclose a debt to third parties. This representative cursed me and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/, I sent Experian proof of a document with a dispute. Experian is reporting I have 2 late payments on a Auto Loan with XXXX XXXX XXXX XXXX. According to FCRA Section 623, Experian is in violation ( if they refuse to correct information after  being provided proof of inaccuracy ). They sent me a letter XX/XX/ saying it was verified. But how is that? These so called late payments are a auto loan with XXXX XXXX that was a total loss and the insurance paid over 95 % of the loan in the same months they are reporting late. This has caused me financial injury. Injury to my credit report and credit score. Defamation on my character, etc.. I also noticed them reporting a late  payment ( 30 days late ) on a account ( XXXX XXXX or XXXX XXXX ) that I know I called the creditor and arranged an agreement to postpone payment after a natural disaster ( Hurricane Harvey ).  Experian has failed to do it's part to maintain accurate information on my credit report or do a proper investigation on my disputes

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 2018-06-01 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: CA

Complaint narrative:
On XX/XX/2017 I purchased an XXXX XXXX from an XXXX store using my Citi credit card. After one month of normal use, the display of my device spontaneously shattered, obviously due to internal pressure in the glass resulting from a manufacturing defect. My device was still under the manufacturer 's warranty at the time, which specifically states that they will cover all manufacturing defects and that I can bring my device into an XXXX store for repair. XXXX however refused to honor their warranty and further refused to issue me a refund. 

I therefore filed a credit card dispute with Citi, citing XXXX 's breach of warranty. XXXX responded to my dispute with an internal receipt showing my purchase. This was of course irrelevant, as I never disputed my purchase, I was disputing XXXX 's failure to uphold their warranty. It was obvious at this point that no one at Citi had bothered to actually review my case, as I made it extremely clear that I was disputing only the warranty. 

I attempted to remedy the situation by further communicating with Citi, however each time a Citi representative parroted a meaningless " there's nothing we can do '' statement, while citing events that never happened and requesting proof for nonexistent events that are impossible to obtain - including claiming that XXXX has already credited me a refund and demanding that I show proof that they did not ( it is impossible to show proof of an absence of refund ) and asking me to provide proof that XXXX failed to uphold their warranty ( again, it is impossible to prove the absence of repair services ).

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 2018-06-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I feel like I have been scammed by XXXX/XXXX XXXX XXXX with a second mortgage that I took out of on my home. I closed on a loan in XX/XX/XXXX for {$90000.00} with an interest rate of 9.875 for a 15 year term. Subsequently, XXXX XXXX XXXX sold the loan to Mr Cooper. My current balance after 12 year is approx {$79000.00}. I examined this balance a bit more closely because I was expecting to have paid off much more after 12 years. I then projected forward to XX/XX/XXXX which is 3 years away and it then dawned on me that there is no way that I will pay off the loan at the maturity date. I called a customer representative at Mr Cooper to explain to me why the balance has not gone down after so many years. Then she explains to what the loan is " ballon '' and goes on to explain that after my payment terms are completed in XX/XX/XXXX that I will have a balance that will be due at maturity. At the rate which the principal is being paid. I project that i will have over {$65000.00} due immediately. She then went on to tell me that if I can not pay the balance at maturity date that my home could go into Foreclosure. After completely understanding my predicamemt. I can not explain how much a scam this is. I went to a reputable bank to get a loan expecting that I will be treated fairly and trusted the process. After 12 years I am finding out how bad this product is and feel so defrauded by a reputable bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I SENT A DEBT VALIDATION LETTER TO THIS COMPANY AND ASKED THEM TO VALIDATE THE ACCOUNT. I ASKED THEM TO SEND ME DOCUMENTATION WITH MY SIGNATURE THAT SAYS I AM INDEED THE PERSON RESPONSIBLE FOR PAYING THIS DEBT. THEY SENT ME A LETTER BACK SAYING THEY ARE UNABLE TO VERIFY THE ACCOUNT. ALL THEY SENT ME WAS A BILL STATING THE ACCOUNT IS VERIFIED BUT THEY DID NOT PROVIDE ME WITH ANY PROF THAT I OPENED IT SO PLEASE REMOVE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITYWIDE HOME LOANS A UTAH CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a complaint against and individual who has been trying to sway me to use his lender/mortgage company to close on a house. I refused to use his service because this individual is acting as the construction company owner for the home and as a mortgage lender as well. He has been pressuring me to close on a home today XX/XX/XXXX. I was ready to close on my behalf but he stalled documents and is refusing to take ownership on the delay of the closing date. He was not ready to close today XX/XX/XXXX. He keeps harassing me to use his mortgage company that do not want to use for personal preference. It is my right. I am well within my rights to use a lender of my choice. He has a conflict of interest in this matter and I have documents supporting everything. I just want to close on my home the way the deal went. He does not want to help with any problems along the road such as property value adjustment, Rate lock charge I have acquired because of this delay and he says he will not help me unless I use his preferred lender. I just want to close on my home. 


The individual acting on this matter is XXXX XXXX Mortgage Banker XXXX # XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I called American Express to add an authorized user. The agent offered a zero interest for 15 months with a transfer of my current to a different type of American Express credit now being offered. The interest rate once the promotion expired was about what I was paying, so I accepted the offer. The agent state she added the authorized user. 

I received a credit card, but no credit card for authorized user. I called because the terms did not read what I was told. They said there was a mistake by the agent. 

A case has been opened XXXX, and they have offered reward points, but not what was originally offered. I have requested my notes and a review of my call, but have not received anything. They say they have called back, but they aren't leaving messages or notes of substance. 

The language is cumbersome on these credit cards, but read, read, read before you proceed. I'm using this card or agreeing to the written docs, until they keep their word.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: SC

Complaint narrative:
These items on my credit report is inaccurate and is not mine and also not 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 2018-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2018 I view my account Checking and Saving account and TD Bank double charge me one Charge of {$5.00} Maintenance Fees and another charge for {$1.00} for mailing my statement prior to online banking the statement for all account was required by United States Federal Regulations and now because of the new internet used the TD Banks and other Bank within the United States are adding extra cost for banking when this is consider to be Fraud if I'm paying {$5.00} maintenance Fee should this cover mailing expense because United States now have different method to Bank it should be illegal to charge for mailing of the statement and when open the account this is what they informed me that will maintenance fee only Please investigate this agency and Maintenance Fees charge to me and others ensure that it according to United States Federal Reserve Bank Regulations and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: VA

Complaint narrative:
PSLF employment certification being denied. Form gives option to submit XXXX as proof of employment, servicer is demanding supervisory signature. There is not a central HR office with the XXXX. For employment verification we use my workplace. In addition to XXXX, I submitted the employment verification letter and 10 years of XXXX employment records forms. They said it's not proof of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe
State: AZ

Complaint narrative:
Not only have I been receiving calls from this collector using tactics such as fake businesses ( XXXX  business services ) but they've tracked me down at my place of work and called the general number to be routed to my office. I've already requested no phone contact. They've also failed to provide a Debt Validation.  Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
hi, i am very frustrated i have been trying to work with these bureaus to abide by the law but the refused to, The are reporting unverified & inaccurate accounts on consumers profile and leaving it there after consumers asked them for an investigation, the refuse to send me a the documents used to verify two accounts that i am not aware of.i sent my letters via certified mail its been almost 3 months i HAVE been ignored .I dispute two accounts that are reporting on my credit profile with the same company. THE LAW STATES THAT THE BUREAUS MUST REPORT TRUE BUT THEY ARE ALLOWING COMPANIES TO RUIN MY CREDITWORTHNIESS AND REFUSE TO INVESTIGATE TO DO THE RIGHT THING.

1 ) XXXX XXXX XXXX XXXX-I explained this was for a apartment complex i stayed in, i payed {$2000.00} to get out of my contract early because my mom had a XXXX so i moved in to help her, the manager told me it was fine long as i paid the {$2000.00} i could terminate the contract early after paying the fee i was allowed to move, months later without any word are notice from this company i looked at my report and found a collections .I wrote them via certify mail asking them how do i owe this debt they never replied, than i sent the bureaus a letter about this account because i dont owe this debt asking them to verify and they havent responded either.

I called the apartment complex and i spoke with An employee who explained to me the manager was no longer there because she had stolen several clients money & ran off, therefore my $ was stolen apparently by the manager the company didnt do a back round check on and hired .How am i responsible for this .this isnt fair the lady explained that the apartment complex is trying to build a case on her and that i wasnt the only one she had did this too .she instructed me to reach out to the bureaus because i dont owe this debt this isnt right for me to pay for the mistake of the apartment failure to higher decent people and do background checks because the lady told me that after researching her they found she had did this before at another apartment complex 2 ) XXXX XXXX XXXX XXXX- i have no clue what this 2nd account is with the same company theyre reporting the original creditor and the collection agency nor the bureaus responded

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: TX

Complaint narrative:
Ive tried to upload a police report for fraud in my information that manifested over 40   unauthorized hard inquires that are holding me back from securing a home loan. I kept getting an error when trying to dispute on Equifax.com

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01 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: NY

Complaint narrative:
I opened a previous complaint with Navient asking them to research why our children are now in their XXXX and we still have a large balance. Over the years we have been contacted by Navient a number of times instructing us to combine our children 's loans, keep in mind we did not ask they contacted us. When I call customer support they did not offer any solution or attempted to investigate why our balance is still so high. The previous complaint created through CFPB was closed because my wife was part of the complaint but Navient said they could not work with us because she was not part of the loans. I called Navient and added my wife to the account as was to here a response within 30 days. They 30 days have past, no response was received and CFPB closed the case. Everywhere we turn we are not getting any help. We are close to retirement and still have a large balance even though we have paid on a regular basis for over 18 years. Keep in mind during that time our account has changed organizations without our input.

Company response to consumer: Closed with explanation