vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: LA

Complaint narrative:
OnXX/XX/XXXX{$150.00} was taken out of my account unauthorized. OnXX/XX/XXXX I called the customer care center of my bank to dispute the charge, on that date the dispute resolution department opened an investigation. On XX/XX/XXXX they issued me a provisional credit in the amount of {$150.00} pending the outcome of the investigation they told me the provisional credit may be reversed. On XX/XX/XXXX without any notice they reversed the provisional credit of {$150.00}, so on XX/XX/XXXX when my direct deposit came in and I checked my account that's when I noticed they had reversed the provisional credit of {$150.00}. So not knowing they were going to do that, much to my surprise I was less the {$150.00} from my SSI direct deposit. So I called them immediately to find out why. I was told they had that right, that at any time if they decided to reverse it they could. I asked why I wasn't notified and also why would they reverse it just 12 days before the investigation was through.They would not say why and when I asked to speak to a supervisor they hung up on me. Then onXX/XX/XXXX I received a letter from them stating that on XX/XX/XXXX the investigation had ended and they closed the case in my favor. Then it went onto say that the provisional credit they issued me on XX/XX/XXXX would remain as a permanent credit on my account. So on SaturdayXX/XX/XXXX I called them and explained all of this to them. I told them that they are saying the credit will remain permanent but they had already taken the credit out, therefore they needed to reverse it and put the funds back into my account. Well needless to say they put me on hold and never got back to me. So again today, XX/XX/XXXX I called them again and pretty much the same thing happened. When I asked to please talk to a supervisor who could help me and explain to me what is going on, because as they know I am XXXX and live on my social security checks so that {$150.00} that they took out on XX/XX/XXXX came out of my check on the XX/XX/XXXX and I needed to talk to someone to find out what was going on because I live payday to payday. Well once again she interrupted me and said hold on and I was disconnected. I called back and it took me 3 tries before I could talk to someone and they hung up on me also. 
So then I called consumer finance and the lady gave me the website to y'all and here I am. 
I do have both letters stating everything I have told you as well as bank statements showing where the money was taken out and then the credit issued and then where it was reversed as well. Along with phone call logs with the dates and times of each call. 
So please any help I can get would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
My account was disabled/locked on Coinbase. 

I did a couple of transactions in the past and everything was fine. 

The problem I had today ( XXXX of XX/XX/XXXX) was the first time I was facing a account block. 

I bought approx 1.16 ETH ( round about 750 EUR ) After that the ETH was added to my Coinbase wallet. So far so good. 
After that I have tried to transfer my 1.16 ETH to my ETH wallet adress ( external Wallet ) and I did the withdrawl on Coinbase. 
After that I got an Email which says that the transfer is delayed and will take 72 hours. After that I have used the Coinbase option to accelarate the transfer by uploading my ID, Passport and a selfie of me. And thats what I did exactly. 
After that my account was disabled. 

No response from Coinbase at all. On the phone they told me that they dont know why my account was disabled ... But I got an case number -> # XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I contacted this company directly via certified mail on XX/XX/XXXX and asked them to remove claims of debt from my credit report because I have never done business with them, nor did I open an account with them on XX/XX/XXXX as they have listed on my credit report. They responded and stated that they would send me proof of the debt, it has been more than 30 days and I have not heard anything from this company and they are continuing to illegally report this debt as valid on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
Like I stated before I was told to send not one but another letter. To state the other circumstances. That I had XXXX. Was on meds that affected my judgement and made me so weak I had to stop taking the meds. Had a neighbor that was taking care of my mail. Which I never was contacted or did I know I had to pay. Because I never saw a statement. I also told them to look at my history with them. I always paid my card when it was due. That and I was told if I did this my credit score would be corrected and my account would be put back in excellent standing. I have worked hard to keep my scores to where they are. If I would of been aware of this I wouldn't be making a complaint.

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 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
They have declined to put me under the SCRA law. All of my other credit cards did not hesitate to give me this right as a servicemember to be charged less than 6 % interest. My complaint is that JPMORGAN Chase only seeks financial gain without even trying to help their service members. I am XXXX XXXX and I requesting to have a low percent rate from Chase, as required by law. With numerous attempts to get a lower interest rate, Chase continues to decline my right. This is my last resort before I take them to court with other servicemembers and we will all seek our benefits and rights. They keep charging me stacked on interest even if I don't use my credit card! This is highly illegal. Chase is doing a lot of things not the legal way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: VA

Complaint narrative:
Several accounts listed on my report that were not mine. Several dilequencies also reported that were not mine. Personal/private information has been compromised. Contacted Bureaus letting them know of fraudulent activity over 1 year ago when it was detected XX/XX/2016. Several accounts have still not been resolved. Still affecting my credit score/report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Several accounts listed on my report that were not mine. Several dilequencies also reported that were not mine. Personal/private information has been compromised. Contacted Bureaus letting them know of fraudulent activity over 1 year ago when it was detected XX/XX/2016. Several accounts have still not been resolved. Still affecting my credit score/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 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank sent me an offer in the mail received today XX/XX/18 for a new AA Platinum Select Card with  XXXX bonus miles after spending requirement. I read it carefully and there was no mention of a previous account exclusion to the offer. Having been fooled by such an offer before, I called Citi Bank to verify my eligibility for the offer they sent. After being transferred around to different departments, I was told that I am not eligible for the bonus miles offered in the mailer. 

This is a fraudulent practice clearly designed to XXXX consumers into applying for a new credit account and spending a lot of money on their card, only to be denied the reward offered with no warning.

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 2018-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services
State: AZ

Complaint narrative:
Regarding Mercedes-Benz Financial Services Account # XXXX The original vehicle contract was to terminate XX/XX/XXXX, with 30,000 miles. 
Mercedes allowed me to pay for a 1 month extension to the lease, extending the contract from XX/XX/XXXX to XX/XX/XXXX. 
I returned the vehicle on XX/XX/XXXX, with only 23,946 of the 30,000 allowed miles used. 

Despite only using a portion of the 1 month extension I paid for, as well as the substantial sum of unused miles ( roughly 6,000 ), Mercedes has assessed an end of lease turn-in fee of {$640.00}. All this despite no damage or excess wear or tear. 

I request that Mercedes waive the turn-in fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I inquired thru XXXX XXXX for a HELOC ; I was contacted on XX/XX/18 by Quicken loans, I explicitly said I was ONLY interested in a HELOC. He proceeded to tell me we would review my credit, I assumed he had a report thru XXXX XXXX, and after 20 mins on the phone, told me they don't offer HELOCS. 

Then I found out he PULLED my credit without permission ; he put his manager on the phone who told me that he told me we would " review my credit '' was proper for getting consent. 

I am an XXXX, I ONLY wanted a HELOC and had I been told by XXXX XXXX NLMS # XXXX that they don't offer the product, I would have ended the conversation as I can provide an application thru my company for much less in costs and rate than his proposed first mortgage which is not what I asked for. 

Then his Director XXXX XXXX NLMS # XXXX told me they do have HELOC 's but only for XXXX clients, and that he was within his right to pull my credit by saying " now we will review your credit '' even if he had NOT asked my up front if I was a XXXX client, because they do offer it to them, I just did not qualify. 

Had I been asked of my assets and if I had a XXXX account and been told those are the only clients they offer HELOCS too, we would have ended the conversation there, again I would not and did not authorize a credit pull on my report ; and wouldn't if the specific program I was after was not available to me or offered to people only with the XXXX account as I do not have one and would have said so had I been informed or asked. 

I asked them to remove the inquiry, they denied me request, I explained that had they done the due diligence and told me the requirements for a HELOC and that they didn't do them, we would not even had, had a conversation that would have required any further investigation. 

I was told by XXXX that as of the last day or so Quicken stopped doing HELOCS and by XXXX that, that was not true, but only for select clients with those accounts. 

This is ridiculous, I was mis-led, my credit was pulled without explicit permission or consent and then they passed it off on me as though it were my fault. I have a background in lending and can not imagine how they treat people who don't, and I made that very clear to XXXX in the beginning of the conversation, that I am a licensed XXXX  and only in need of a HELOC. 

XXXX told me they are the country 's largest company and with over 150 programs, this is " Just how they do things '' .... UNREAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Care Credit provides financing for health care, patient 's request financing for XXXX   services, I provide the XXXX services, Care Credit dont want to pay me for my services because my credit history. This practice of discriminating because my credit history is wrong, because I'm not the person who's requesting credit, I'm only an intermediary who provide the service, what does the services I provide has to do with my credit history? 
Also I think this practice violate interstate commerce because is limiting the number of patients I can give treatment, on a basis of my credit history. 
They are also limiting their client decision to be treated to whoever they want, the right to chose his doctor, because they are only going to pay doctors for their services who have good credit, and not paying the ones who have bad credit, again the provider of services is not the person requesting credit from CareCredit is the patient who is requesting financing to pay for the services I provide and is the patient who Care credit give the financing and is the patient who pays to Care Credit, so the services I provide don't have to do anything with my credit history, this is a bad way to use my credit hystory and interfere with the right of the customer to chose his doctor, and the doctor to provide his treatment, and a bad way to use credit history against myself

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 2018-05-15 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Opened a credit card account with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Got laid off for a long time so i couldnt pay it. Last payment made was on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX sold the balance left {$2800.00} to XXXX XXXX XXXX on XX/XX/XXXX. I have received a few letters from them over the last couple of years stating the balance i owe, but as i have been laid off for almost 2 years total out of the last 3 years, i still could not pay it. I was served citation papers saying the were suing me today, XX/XX/XXXX, & i do not know what to do. I just recently started a new job with a new company & at this point i still can not afford to pay this bill. I do not want to be sued but i have no idea what i should do. Someone please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: CA

Complaint narrative:
TransUnion customer service would not help and take care of the negative inquiries reporting on my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2018-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: GA

Complaint narrative:
Dear Frost Arnett After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2016 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was the cosigner for my grandson 's SallieMae Loans while he was attending XXXX University in XXXX from XX/XX/XXXX - XX/XX/XXXX. When I was ready to make the final loan payment, I telephoned SallieMae to find out the total owed ( with interest ) and exactly when I should make the payment to avoid any additional fees. I was told to wait until AFTER the Grace Period to make the payment. I followed their instructions and made the payment. A couple of weeks later, I checked my grandson 's account and I was shocked that they had added {$870.00} marked " Insurance. '' I called SallieMae to find out what this charge was about as I did NOT request " Insurance. '' They transferred me numerous times, to different departments and then said it was a Repayment Fee. Each time I called thereafter, I got a different answer, it was " Insurance '' and then " Repayment Fee '' back and forth. 

Evidently, SallieMae representatives purposely gave me the wrong information by telling me to pay AFTER the grace period. I feel they did this viciously and someone should monitor the information the telephone representatives are giving to the students and cosigners.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Best Serv Co ( collection agency ) has reported a debt on all 3 credit bureaus after my dispute that the debt was paid many years ago. They are collecting for XXXX XXXX. XXXX XXXX and I had a dispute over product that I paid for and returned. They charged off the debt in XX/XX/XXXX despite my dispute and documentation. Best Serv Co has re-aged this account on my credit report in violation of FCRA Section 605 ( c ). They are showing that the account opened in XXXX. I informed them I did not agree with the account, the balances etc and they just ignored me and now illegally report the debt using strong arm techniques. The account is over 4 years old regardless and past the statue of limitations. It is also being duplicated by XXXX XXXX and Best Serv Co was informed of this. They also just list themselves as N/A on XXXX so that I can not dispute properly

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 2018-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank Of America is covering criminals who took my money. I have visited and called BofA many times and all I get is run around with NO results. BofA is helping and covering criminals. I need to know who can help! I need help to get my money back from BofA customer who they helped to still my 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 explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JLB CORPORATION
State: KS

Complaint narrative:
My mortgage is with XXXX XXXX XXXX I received the attached letter that, at first glance, appears to be from them. In one spot, in very small print, it references XXXX XXXX XXXX. This is very misleading. I did not call the number, but wanted to express concern that someone could call thinking it was from their lender and not XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation