vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX, someone pretending to be me went into a XXXX store in Pennsylvania. They had an ID card with my name on it which XXXX used to identify their customer. XXXX then swapped my phone number to an XXXX  the thief in the store presented them.

Once this person had my phone number, and was receiving my text messages, they reset the password on my e-mail account, then used the access to my e-mail account, and one-time-text pin from CoinBase to access my virtual wallets.

Fortunately for me, my e-mail client was still receiving messages from Coinbase. I was able to click the " If you didn't request a password reset, click here '' button. Following that I was able to reach coinbase support person " XXXX '' on XXXX and she was able to lock my coinbase account.

Coinbase was able to restrcit my account before the thief was able to transfer funds. They requested that I open a new account with a secure e-mail address. I did this, uploaded proof of identification, etc ... and CoinBase responded that they would move my funds to this new account. This was again confirmed via chat with XXXX  on XX/XX/XXXX.

on XX/XX/XXXX I followed up with coinbase again. They advised me that my account was with their escalations team and it could take 45 days to be reviewed.

on XX/XX/XXXX I received a canned e-mail message from Coinbase asking me to go throught he same steps I had on XX/XX/XXXX when my account was initially compromised.

on XX/XX/XXXX I called again and was advised that there is nothing else I can do to escalate this. The phone operator " XXXX '' was unable to give me any further escalation points, contact information, or timeline on when I could expect information about the case.

on XX/XX/XXXX I followed up again with Coinbase via their online ticket submission portal.

It's now been 13 weeks since the account was attacked. Coinbase refuses to give me contact information for a person assigned to the case, they refuse to give me a timeline for resolution, they refuse to give me any expectations for when or how I will be contacted for resolving the issue. I have no other recourse to turn to resolve this via the company directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I have a Bank of America credit card. My issue with BofA is the stance they have taken preventing me from purchasing guns and/or ammunition using my BofA card, and from companies doing business in areas of guns, firearms, and ammunition. I believe this is in violation of my rights through the Constitution. 

If this BOA policy is not rescinded, I will close out my BOA credit card.

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 2018-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MT

Complaint narrative:
Contacted XXXX XXXX in XX/XX/XXXX about loan consolidation. They sent me to Nelnet. At that time Nelnet put  me into an IBR ( Income Based Repayment ). The loan originated on XX/XX/XXXX in the amount of {$56000.00} ( 2 loans totaling this amount ). They also indicated I qualified for a 10 year loan forgiveness program. I made {$71.00} monthly payments from XX/XX/XXXX through XX/XX/XXXX. Have not made a payment since. Now per online dialogue with a Nelnet service rep, i'm in a 25 year loan forgiveness program. However, the accrued interest on the loans is now totaling {$11000.00}. This is causing issues as we apply for other kinds of loans. We would like to purchase a house in the near future but this credit score situation is a huge hindrance. We would like to get an answer as to why we went from a 10 year to a 25 year forgiveness. Also, it's a huge weight on my shoulders not knowing what will happen with this loan in the next 2 decades. We would like to have a solid answer as to what the plan is going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: IL

Complaint narrative:
Foremost the annual percentage rate is 5.99 % on the loan, they are claim that the interest rate is also 5.99 %. Based on the finance charge that they are charging me for the life of this loan is {$3400.00} or .3417 % on the {$10000.00} loan. They claim that they are charging me 5.99 % daily interest. If the daily interest rate is truly 5.99 % how does it equate to {$3400.00}?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Northland Group Inc
State: PA

Complaint narrative:
northland group current creditor XXXX XXXX XXXX oringal creditor XXXX XXXX XXXX XXXX oringinal account # XXXX northland ref XXXX northland phone number XXXX ext XXXX i do not know what this is it has been on my credit report for a least 10 yrs or more i am XXXX and do not know what to do thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I had 3 accounts that went into collections. When I contacted PRA to settle they informed me that they would remove accounts from collections. I have disputed this over and over and over again and they still remain. All they did was update them to XXXX and paid in full when I was informed that they would be removed. I contacted PRA and they said that they no longer remove collections and only update to zero. Which is not want I was told when I paid these accounts. Apparently it is something that happens with this company. I wish I would have done more research prior to agreeing to give payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I have been receiving robo calls repeatedly at work from number ( XXXX ) XXXX. When I try to call back, no one answers. Today ( XX/XX/XXXX.18 ) I  received a call from the County Court House which I believe was a spoofed number because when I called back, they had no information on me. They are imitating a legitimate number ( XXXX ) XXXX. 

XXXX XXXX is the company that has been calling me. I reached them at ( XXXX ) XXXX, which is the number I was given by the courthouse. I also have an " Affidavit '' number of XXXX, which was given to me. I was hung up on. I tried calling numerous times afterwards trying to get information but they continue to hang up on me. I started recording the phone calls and made them aware. Once I did that, they changed their tune and told me that I have the wrong number. This is AFTER they threatened me and said " See you in court. '' They are not giving me any information, they continue to harass and threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am on XXXX XXXX XXXX. Approximately XX/XX/XXXX I was having some medical problems and got behind on my credit card pymts to Capital One Credit Card. My husband switched jobs in XX/XX/XXXX & he did not receive a pay check until the middle of XX/XX/XXXX & that was only for 1 week. We were then behind on our other bills. Capital One was informed that I was on XXXX XXXX XXXX and could not pay my full pymts. I did advise them that I could pay approximately {$25.00} per month. I was advised by Capital One that they do not have a plan for me to pay {$25.00} per month. Capital One wanted me to pay {$75.00} to {$80.00} per month. I advised I could not pay that. Then Capital One said they would note the acct that I refused to pay my bill. I did not refuse to pay my bill. I refused to pay {$75.00} to {$80.00} per month. I get numerous phone calls daily from Capital One. Now Capital One has turned my account to a collection agency, XXXX XXXX XXXX. I have been informed that Credit card balances are not collectable from XXXX XXXX XXXX, however, Capital One says they are. Now I am going to be harassed by XXXX XXXX, XXXX Collections and possibly sued because Capital One refused to work with me on pymts. I have not made any pymts since Capital One refused {$25.00} per month. I am XXXX and I explained to Capital One that their harassment only makes my conditions worse. I don't know what to do at this point but I need the harassment to stop. Capital One employees are rude and don't care. I am still behind on some of my other credit cards as well but the other Credit Card companies are willing to work with me because they understand they can not collect on XXXX XXXX XXXX. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Direct Recovery Services, LLC
State: MD

Complaint narrative:
Company will call with threats and have and will not say who they represent so I can confirm if the dbet is mine or legal I have asked the company to send validation of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
Hello, I attempted to send {$700.00} to XXXX on XX/XX/XXXX and there was a last name error on the transfer. I contacted Western Union and they told me I could not make major adjustments and that I'll have to cancel the transaction, get a refund and resend. I agreed and authorized the customer rep. to cancel the transaction. Immediately after the cancellation, I got an email saying my transaction is cancelled and that I should expect a refund in 7 business days maximum. Western Union also told me to expect an email confirmation that the funds have been sent. I never got the email confirmation. After the 7 business days, I contacted WU, via chat, repeatedly that I still don't have my funds. They told me they sent it and my bank should have it. Not true, as at today, XX/XX/2018, there still can not confirm to me that they have sent the funds or where my funds are. Everybody I contact seem no to have any information. They always promise to escalate but nothing happens. They even told me to send my bank statement to some email, to prove I'm not lying I believe. This is over the pale and I hope you can assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
Exeter Finance sent a debt collector to my place of work and spoke with my supervisor in an attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had not used the Credit Card in question for quite some time except to pay off an existing debt, through auto-pay. Once that balance was paid in full I discontinued the use of this card until recently. I made a purchase in the amount of {$300.00}. On the due date of payment ( XX/XX/XXXX ) I processed a dispute of this charge, as indicated on the instructions on the back of my bill ( I should dispute any unauthorized charge if not resolved by the due date ). After I disputed the charge I noticed that an Auto-payment had been processed on the same day. However I never authorized the Credit Card Company to process an Auto-payment in this amount, and this was not the amount I had originally set up Auto-Pay for previously. I called the Credit Card Company and requested that the auto-pay be reversed ( because the disputed charge would be eventually credited back to my credit card account from the institution making the charge ). The representative refused to do so. I asked to speak to a manager. Instead the representative hung up the phone in my face. I immediately documented that conversation in an email to the Credit Card Company, and requested that any bank charges be covered. I called my Bank to STOP PAYMENT on the payment. My bank did as requested. However, the Credit Card Company processed another payment in the same amount, even after I had discontinued Auto-pay. I called the Credit Card Company on XX/XX/XXXX to have the payment reversed. I had to request a manger to have it processed, after the representative misrepresented that the payment had already been credited to my banking account. I was informed it would take 2-3 business days. I indicated that this was unacceptable. However the Manager ( Named XXXX, Id # XXXX ) could not or would not expedite the process of this reversal of payment. Meanwhile the processing of that payment has disrupted my means of payment to other institutions, and caused me to incur a STOP PAYMENT fee of {$30.00}. along with late payment fees on other accounts. This process has caused stress and dismay. The Credit Card Company should be held accountable.

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 2018-04-30 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: PNC Bank N.A.
State: VA

Complaint narrative:
Hello, I have tried repeatedly to get PNC Mortgage to report correctly on both my mine and my husband 's credit reports. We had to file chapterXXXX bankruptcy in XX/XX/XXXX. We put the past due balance in the bankruptcy, but we continued to pay the current mortgage directly to PNC during the 5 years of the bankruptcy. We made consistent, on time payments the whole 5 to date. They reported the account closed during the 5 years. After discharge in XX/XX/XXXX of XX/XX/XXXX they still showed our account closed. I disputed it, because the account was never closed. They said they showed it closed because of the bankruptcy. They corrected that and now it shows the account opened, but they still refuse to show payment history prior to discharge. They made sure to put the past due payments on there prior to filing bankruptcy. This is still effecting our credit negatively on top of the bankruptcy itself. We are trying to move forward and have worked hard to repair our credit these past 5 years, establishing an impeccable payment history, but they are continuing to punish us, by not acknowledging it on our credit reports. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The subject debt was incurred on XX/XX/XXXX for a XXXX Handbag. The charge was {$2400.00} for the bag, {$20.00} for a delivery fee and California Sales tax of {$210.00}. 

I was not in XXXX XXXX on the date that the charge was incurred and have not been in California at all for quite some time. 


I did open a credit card at a XXXX XXXX XXXX Store in XXXX XXXX in XX/XX/XXXX. That is the account on which this charge was incurred. It is the only charge on the account. The card was issued through XXXX XXXX XXXX. In XX/XX/XXXX I moved from the address of record for the card. I never received any of the bills. None were forwarded to my new address. 

I discovered the debt when I did a credit check in in early XX/XX/XXXX. The debt was listed on my credit report as open & unpaid. The Original Creditor, XXXX XXXX XXXX is no longer attempting to collect the debt. The current creditor, XXXX XXXX XXXX XXXX XXXX. XXXX, is. The current debt is {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
XXXX XXXX current creditor XXXX XXXX XXXX oringal creditor XXXX XXXX XXXX XXXX   oringinal account # XXXX XXXX ref XXXX XXXX phone number XXXX ext XXXX i do not know what this is it has been on my credit report for a least 10 yrs or more i am XXXX and do not know what to do thank you XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
THD/CBNA Home Depot ACCOUNT XXXX FROM CREDIT REPORT XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX On or about XX/XX/XXXX I was going through my Credit card accounts and noticed that Home Depot said I was late with my payments. At the time there was a balance around {$10.00} or so. I thought I had paid the entire card off but to my mistake I did not. I asked them why they did not contact me and they said they did. I asked them how they contacted me and they said it was an automated system. I asked them after the automated system came back and said there was no contact what did you do? The credit card representative said that two more Robo calls when out telling me to pay my bill. I asked them what kind of system do you have in place if the first call was not successfully made and they answered none. At that time I was very mad at them and I paid the account off with the operator I was speaking with and immediately closed the account. But their explanation on the XXXX  credit report that I just received on XX/XX/XXXX says that the credit card company close the account when in fact I'm the that requested it be closed. I closed the account because of their stupidity and there collection practices. I asked them to remove the delinquent notices from my credit report and they said they would look into it based upon the issues with the Robo call system they have. But as of this date they have made no effort to remove those late charges from my account. Actually the only way that I learned about this was when I was looking at a car for sale at a dealership and they said that they got a negative report back about late payments, that's when I went home to research this and found the Home Depot issue. It was my mistake for thinking I had paid off without checking but I'm sure I had. Home Depot never called or emailed me to tell me that I still owed them money.

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 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America is currently engaging in dual tracking during the modification process and trying to claim ownership of the mortgage. I submitted documents during the month of XX/XX/XXXX, for a loan modification. Please see attached document! 

The CFPB issued amendments on XX/XX/XXXX, The rule issued establishes new protections for consumers, including : Requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. 

The final rule requires servicers to notify borrowers promptly and in writing that the application is complete, so that borrowers know the status of the application and have more information about their protections. 

The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.

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 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have tried to explain that this was not me who created this account need help removing from my Credit

Company response to consumer: Closed with non-monetary relief