vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans union XXXX and XXXX shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX XXXX Ive tried to dispute I havent got anything fixed

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 2018-01-08 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: CA

Complaint narrative:
XXXX XXXX XXXX and equifax shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX company Ive tried to dispute I havent got anything fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
My start date ( first day in the office physically ) with XXXX was XX/XX/XXXX. My hire date on my XXXX says my hire date was XX/XX/XXXX. I originally submitted my employment certification for public service loan forgiveness with my start date as opposed to my hire date. 

Despite the fact that I went back to school in XX/XX/XXXX-XX/XX/XXXX and have been in Public Service Loan Forgiveness repayment status since, XXXX XXXX is refusing to certify my employment with XXXX because of the discrepancy in the XX/XX/XXXX vs. XX/XX/XXXX submission, which is irrelevant to the fact that I am 1. still employed at XXXX ; 2. have been under the PLSF status since XX/XX/XXXX and 3. have submitted the XXXX showing the hire date. They are insisting on speaking with my supervisor. I have filed an EEO complaint against my supervisor and he has not returned numerous calls from XXXX XXXX. 

A federal government XXXX should be more than sufficient for certifying my ongoing employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I did not receive my regular monthly billing statement for my XXXX XXXX XXXX backed credit card account. Upon receiving notification from the company that the payment was late via telephone, I traced my email records and found they did not send the statement. I contacted the company to resolve the issue and THEY CONFIRMED they had an issue sending the statement and that it did not go out that month. Even after admitting the company had an issue, they refused to refund me the late fees. Therefore, I requested the amount due minus the late fees and paid that amount in full. The remaining amount on the account is 100 % late fees charged to me but are a result of a technical issue which prevented the company from sending me my monthly statement. 

The XXXX XXXX XXXX representative admitted it was an issue caused by the system of the company and not my fault. I refuse to pay a late fee to them as I was not to blame. I paid off my account balance in full and the remaining amount is the unwarranted late fees which I am disputing. Please help me resolve this issue and remove this false claim reflecting negatively against my credit worthiness. 

Thank you in advance for your 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 2018-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collins Asset Group, LLC
State: FL

Complaint narrative:
They keep hitting my credit every 7 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclays is unwilling to allow me to share my own personal financial data with other companies. I have the right to share my own financial data.

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 2018-01-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
Despite my three requests to delete the speedy cash account that ad astra is trying to collect on that I do not own, Ad astra still remain to report the UNVERIFIED account. The account remain on my credit report in violation of federal law. In the results of AD ASTRA re-investigation AD ASTRA stated in writing that the items on the account is being reported correctly and that they verified the account sold to them by speedy cash that I do not own. I have never had a Contract with speedy cash or AD ASTRA and I still DO NOT have an account nor CONTRACT with the companies. They still have not identified who in their company verified the accuracy of the account or how they verified them. XXXX 's Law Dictionary, 6th edition 1990, defines " verification '' as confirmation of correctness, truth or authenticity, by affidavit, oath or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in arerments or statements of persury. AD ASTRA failure to provide me with verifiable proof required for they company to post the account is evidence that it does not exist and therefore is proof that AD ASTRA can not properly verify the accuracy of the disputed account. Under section 611 ( 5 ) ( A ) of the FCRA, AD ASTRA are required to promptly " DELETE all information which can not be verified. DUE TO AD ASTRA willful disregard of the law I intend to pursue litigation in accordance with the fcra to seek relief and recover all monetary damages that i may be entitled to under section 616 & 617 if the unverified account are not deleted within 10 days. AD ASTRA is violating the law by not deleting the account after several requests for the account to be deleted if it wasnt verified. I am well aware that a bill is not verification of a debt. I also stated to AD ASTRA that I wanted to see a contract or something with my signature on it which they did not and can not provide because the account is not mine. AD ASTRA has it bad about not responding to a request and just putting verified as the dispute resoultion without correctly handling the situation. The law is very clear as to the civil liability and the remedy available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
sent police report and idtheft protection cra violation inaccurate information

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 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
sent police report and idtheft protection cra violation inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent police report and idtheft protection cra violation inaccurate information

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 2018-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2018, XXXX CST, I received a phone call from XXXX who works with Receivable Performance Management. I asked XXXX what was this about and he said they are collecting a debt. I advised XXXX this is my first time hearing of this did he send me a letter in writing to notify me of this debt. XXXX advised me that would be redundant. I asked him well, how would I know who to pay, what, when to pay and he advised that the person I owe would have sent me a letter. I advised him since this is my first time knowing of this via phone call, I asked him not to correspond with me via phone, only in writing and that 's when the phone disconnected. Lo and behold, I pulled my credit report and notice this same company reporting.

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 2018-01-08 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: NM

Complaint narrative:
I bank-wired {$3000.00} USD to Coinbase , Inc. on XX/XX/XXXX. They have not credited this to my Coinbase account, XXXX Their phone customer service does not handle this issue. 
Their online customer service has been entirely non-responsive. case XXXX. 
I confirmed by phone with XXXX XXXX XXXX that the wire was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
automatic bitcoin transfer from coinbase to XXXX  platform stuck after depositing XXXX BTC to XXXX from external source. XXXX is the trading platform of Coinbase. 
Result : approx Eur XXXX worth of Bitcoins not accessible for approx 10 days now - Coinbase reports successful deposit from external source and reports successful auto-transfer to XXXX ( XX/XX/XXXX/XX/XX/XXXX ) - XXXX still reports transfer as pending ( status XX/XX/XXXX ) - As a result, deposited bitcoins not available on both platforms ( Coinbase and XXXX ) For approx 10 days now these funds have not been available to me to trade. They should have been available to me immediately after successful reception by Coinbase on XX/XX/XXXX, as the auto transfer from Coinbase to XXXX should have been instant. The value of the vanished bitcoins is approx Eur XXXX. 

- I created a Coinbase trouble ticket on XX/XX/XXXX, case ID XXXX, however there has been no response. 
- I created a Coinbase formal complaint ticket on XX/XX/XXXX, case ID XXXX. According to their own terms and services, they should reply within 24 hours, but there has been no response The screenshot ... .232.png attached shows : - left side : XXXX platform where the incoming deposit is shown ( XXXX XXXX - XX/XX/XXXX UTC ) which is still on " pending '' - left side : coinbase platform showing " received bitcoin XX/XX/XXXX + XXXX '' and in " transferred bitcoin to XXXX '' XX/XX/XXXX XXXX, also highlighted in front as " voltooid '' ( completed ) The screenshot ... 430.png attached shows my formal complaint The screenshot ... 536.png shows the first ticket made on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I 'm based in the XXXX and sent funds to coinbase.com to purchase some cryptocurrencies. 

I made 4 payments to Coinbase but forgot to include the reference number XXXX. My first payment made in XX/XX/XXXX did have this included. You 'll be able to see it 's the same bank account. 

Amounts and date sent :XX/XX/XXXXXXXX Euros sent. Bank Reference/Transaction ID  XXXX XX/XX/XXXX XXXX Euros sent. Bank Reference/Transaction ID XXXX XX/XX/XXXX XXXX Euros sent. Bank Reference/Transaction ID XXXX XX/XX/XXXX XXXX Euros sent. Bank Reference/Transaction ID XXXX Support case ID Case ID : XXXX was created : XX/XX/XXXX XXXX PST. However, there have been no responses via their support portal or twitter ( as per their recommended procedures ). Telephone number XXXX ( XXXX ) XXXX has been listed however they will not discuss deposit or withdrawal enquires leaving me dependent on their portal as the only means to try and establish some contact. 

My account details with Coinbase are as follows : Name : XXXX XXXX Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I no have any account with bank of america

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 2018-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
This complaint is about XXXX XXXX. When they call numerous times a day, their phone number comes across as " Restricted ''. When I reject the phone call, they immediately call again, sometimes multiple times in a row. I have asked them to quit calling me and to send me correspondence through the mail, and they have failed. I have asked multiple times. The amount of times they call a day I would consider harassment. It is completely over the top. 

Here 's the call log : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX I have more history if you would like, just let me know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I no have any account with XXXX XXXX XXXX

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 2018-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ID

Complaint narrative:
My Mortgage company has pulled a double payment from my account. I called the and they told me I need to go through a process to get the payment back. This makes me late on the rest of my obligations. I made a mistake earlier in the month on my payment and got this resolved through my credit union. I looked at my account on the XXXX of the month and it said my payment was returned because they could not find my account. Also Early this past year I was going to refinance my loan with this company and the loan officer ( XXXX ) told me there would be NO FEES to complete this process. At he end after getting all the documents for Carrrington and was time to complete the refinance the truth came out on all the fees. This lender is very deceitful and I want both problems looked into Please. I have a more problems then anyone needs to go through. Thank you XXXX XXXX. PS I 'm not positive the is a FHA Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
on XX/XX/XXXX I opened two new accounts ( Checking and Money Market ) at SunTrust and initiated ACH transfers to move funds from XXXX XXXX savings accounts into the new accounts. The entire process was done on-line according to SunTrust 's instructions. In total, {$27000.00} in funds was removed from my XXXX accounts on XX/XX/XXXX. During the process, SunTrust deemed the transfers to be a internal rule violations and terminated my customer relationship and closed the accounts. No one at SunTrust will tell me where the money is or what rules may have been violated and no additional information has been provided. While I do have someone at a local branch attempting to help me with the situation, all of the SunTrust customer support representatives ( including Managers ) either refuse to tell me the reasoning for closing the accounts or have stated that they have no such information. At the moment, SunTrust took {$27000.00} of my money and no one seems to know where it is.

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 2018-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I received a email notification from XXXX that my credit score decreased. I signed in to my account to find SCA Collections had reported I owed XXXX and it decrease my score by 63 points. It said the original credit was XXXX XXXX XXXX XXXX from XX/XX/XXXX. Since I have never heard of either company and have never received any bill or any communication at all from either company I am assuming that this may be a scam or fraud and I am to scared to call and give them any more of my information. I have never not paid any bill in my entire life and have never had a collection on my account. This has done a lot of damage to me. The company 's information listed is SCA Collections, XXXX. XXXX XXXX, XXXX, NC XXXX. Phone number listed XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX but I am unable to find the correct information to contact them. I have also disputed the charge with XXXX. Thank you for your help! I do n't have any documents to attach because I have never been contacted by either company and have never heard of either of them.

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 2018-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Eastern Revenue, Inc.
State: NY

Complaint narrative:
XXXX XXXX,2013 XXXX XXXX was already paid. However its still showing on my report that I owe {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION
State: KS

Complaint narrative:
XXXX, XXXX 2018 TO WHOM IT MAY CONCERN This is a complaint against XXXX XXXX with an address located at XXXX XXXX. XXXX XXXX, XXXX XXXX, IA XXXX. 
XXXX XXXX is a debt collector as defined by 15 U.S. Code 1692a of the federal Fair Debt Collection Practices Act.

The attached documentation details violations of 12 C.F.R. 1024.41, and/or 12 C.F.R. 1024.40, and/or 12 C.F.R. 1024.35, and/or 12 C.F.R. 1024.36, and/or specifically 12 C.F.R. 1024.41 ( b ) ( 1 ), and/or 15 U.S. Code 1692e. 
Please investigate these matters. 
All the necessary documentation supporting this complaint have been attached. 

XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX XXXX XXXX XXXX XXXX or use the following shortened URL XXXX XXXX XXXX

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 2018-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: NY

Complaint narrative:
I have no knowledge of this Dept supposedly opened on XXXX XXXX, 2016 in the amount of {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: IL

Complaint narrative:
I initiated this wire transfer and they still have yet to email me an update or respond to me in any way. This is not acceptable. Almost a month for a wire transfer - that I paid for?! 

Account : XXXX Bank : XXXX XXXX XXXX Total Amount : {$27000.00} Withdrawal reference : XXXX Withdrawal initiated : XXXX XXXX, 2017 Expected arrival : XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
www.coinbase.com I put my cryptocurrency ( ETH + LTC ) in their vault back in mid-XX/XX/XXXX. To be able to transfer them back from the vaults to my wallets I need to approve the transaction with two email-adresses. I am not able to approve with my secondary email, hence my coins have been locked up in the ETH/LTC vaults since I sent the first request to customer service on the XX/XX/XXXX. 44 days today without having resolved the issue. 

They say they have forwarded my case to an expert, but nothing is happening.

Company response to consumer: Closed with explanation