vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: WI

Complaint narrative:
Discover 's mistake in closing credit card accounts is costing me lots of money. In the 3rd Qu arter o f XX/XX/XXXXI called Discover Corporate card services to cancel a corporate card account because my company was being pu rchased. The corporate account had two cards associated with it. One card in my name and one card in the name an employee. My card ended with the numbers XXXX and XXXXXXXX XXXX card ended with the numbers of XXXX. The XXXX card was primary. 

After my phone call with them I confirmed that my card was no longer active and told the employee with the other card that the account was cancelled. She told me she did n't have the card with her but she would destroy it. She was a long-time employee so I had no reason to suspect she would n't do what she said she was going to do.
The company was sold in XX/XX/XXXX and the EIN was cancelled. I worked for the new owners for a while but left for another job in XX/XX/XXXX.
In XX/XX/XXXX I began receiving collection calls from Discover card services. Charges were made on the card with the employee 's name on it on XX/XX/XXXX for {$860.00} and on XX/XX/XXXX for {$450.00}. This was more than a year after I thought I had cancelled the account and a year after the company went out of existence.
I reported it as fraud to Discover. They said it was n't fraud because I had authorized the employee as a user on the account. I reminded them that I had called and cancelled the account and they said I had only cancelled my card ; the primary, and that the other card had remained active. Someone reviewed the recordings and confirmed that I had called to cancel but since the other secondary card remained active once charges were made it reactivated the primary card and thus made me liable for the charges.
I tracked down the former employee and she admitted to making the purchases knowing that the card was n't supposed to be active because she helped me close the company whose name was on the card. She made payments on and off for about a year and she has been recorded several times on the phone with me to Discover acknowledging her liability. The payment made came out of her bank account. She is recorded asking Discover to transfer the liability to her in order to get me out of the liable position. The former employee has now " disappeared ''.
I have put in another Fraud claim with Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
I received hourly phone calls from this Law Firm - Finally being taken off guard I answered my phone since they never left a message and I had not idea who this was. There was a man at the other end on the phone insisting that I owed monies - so I requested he go the legal route and send me something in writing, Which I received X/XX/2017. - consulted with the XXXX XXXX XXXX XXXX XXXX and was given a letter to send to them basically stating that my only form of income if my Social Security monthly and additionally the claims had been resolved by my insurance carrier. 

The harassing and threatening phone calls have NOT stopped and I am at my wits end. I did check with the BB and see they are not licensed with them for all I know they could be illegal. 

Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: CO

Complaint narrative:
I went into key bank opened a new account put {$50.00} bucks in as required to open the account the very next day they block my account. so after multiple days of calling I was advised due to bad banking with key back over 5 years ago they were closing my account the issue is when I first tried to open an account with key years ago they did the exact same thing opened the account said my credit was to bad blocked it and charged me fees. Not being allowed to have the account is fine but they charged me {$24.00} for checks even though they immediately block the account and I want my money back I cant use these checks they should not have proceeded to open the account if they were n't going to approve me im sick of being XXXX by key bank this Is the second time I never even had a chance to use the fist account because they did the exact same thing so I cant see how that was considered bad banking. then they send me a letter telling me they might report this as negative on my credit no way worst bank ever

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This is an update to my prior complaint number XXXX. I was advised today that XXXX from Ally Financial, who I have previously complained about has attempted to contact the pastor who married my wife and I on XX/XX/2017 and  contacted the woman who did my wife 's make up. He has contacted my old employer on too many occasions to put down in this complaint. He has also contacted my ex-wife, her family and all of my family members. I have no issue with him contacting me, but this is clearly harassment now and a violation of the law. He needs to be stopped or I will take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XXXX 2017 because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX 2018 on my credit card accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due toXX/XX/XXXXon my credit card accounts.

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 monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Due to the XXXX breach we froze our credit accounts with all three credit bureaus however Transunion 's eBureau division is still rating us as of XXXX,2017. With erroneous 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 2017-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Sent in a dispute letter did n't receive a validation response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
Ask for a validation letter in which they can not provide for 3 different bills they say I owe open date XXXX2017 one bill for XXXX $ another for XXXX $ an lastly XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: FL

Complaint narrative:
I was steered to do a forbearance as I was completing my degree versus helping me to understand other options. I check my credit report regularly. I am devastated that my loan repayment total has escalated from 80K+ to XXXX. This is unbelievable! Need assistance ASAP as this has plummeted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RGS Financial, Inc.
State: MN

Complaint narrative:
sent in validation letter without them verifying the debt to me, they updated the account XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Stonebridge Lending Inc.
State: CA

Complaint narrative:
I continuously receive junk mail from Stonebridge Lending Inc. in XXXX, CA in official envelopes. The envelope reads " URGENT DELIVERY DATED MATERIAL IMMEDIATE RESPONSE '' and that it is from the " Office of XXXX XXXX XXXX, Confidential Documents ''. That tells me it is important mail from the government, so when I open it up and see its nothing but ANOTHER VA refinance, then I am annoyed. I called the company and they wont return my calls. When I complained to another company, they told me to report them to the VA. The VA told me to submit a complaint here. You CAN NOT send people mail in envelopes addressed like this, I 'm pretty sure that is illegal. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
A XXXX XXXX XXXX XXXX employee allowed her boyfriend to enter my home when I wasnt home and steal my homedepot credit card and jewelry tools etc, after stealing the card he made several purchases with the card, I did not give him the card or authorize him to take the card, I did not authorize him to make purchases, he stole the card and used it to buy merchandise, I contacted the police and made a police report and contacted Home Depot as well to inform them and have the card discontinued so he could no longer use the card, he stole my identity and committed fraud, I filed a fraud report claim with Home Depot they have refused to accept the claim, in addition increased interest and finance charges, they have accused me of leaving the card out for the stealing and fraud, and informed me that my claim was not substantiated however the have video tapes and his signature and hers on purchases, as well as police reports. In addition they refused to issue me another card or give the access code on the stolen card so I could see the account information to take proper action, delaying my right to protect my self, Homedepot treated me as though I was the criminal and deserving and responsible for being a victim of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have had a Citgo XXXX card since XX/XX/XXXX. It has been closed for many years, but I have an auto payment drafted every month for the minimum due. 

Every few months, I check my account online to see how much the balance is, or other information about my account. 

Today I attempted to log in, but was unable to. The bookmarked site says the website is no longer available and listed an XXXX number to call. 

After multiple frustrating phone calls, I finally spoke with someone in the technical ( website ) part of XXXX who notified me that since my account was closed, there was no way to access my account online anymore. 

My stance is that as long as there is a balance owed, the account may be " technically '' closed for further purchases, but the account is still OPEN for making payments. ( If they want to close the account and write off the balance, I am amenable to that option. ) My issues are twofold : one - how can it be okay to not have online access to my account while there is still activity? And two,  was anybody going to let me know this was happening? I received NO notification about this from anyone. I 'm actually surprised that the autodraft continued uninterrupted. 

[ Some of the customer service reps said that Synchrony Bank bought out those Citgo XXXX accounts. I have no communication from Synchrony Bank as to whether this occurred. I might have a problem with Synchrony Bank debiting my bank account every month as I did not authorize them to do so, unless, of course, the fine print stated that the assigns of XXXX would have the same authority. ] What if I wanted to change the amount I pay every month, or the bank from which the payment is taken, or to check my balance or to verify the interest rate I am paying? And, again, nobody bothered to notify me of this change. I still do n't know when it actually happened. The last time I accessed my account online was in XX/XX/XXXX this year. It is unbelievable with today 's technology that XXXX or Synchrony or anyone is unable to keep an " account '' open while a customer is continuing to make payments. Surely there 's no shortage of server space.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
In XX/XX/XXXX I sent an invoice from our company to a client. In early XX/XX/XXXX one of our vice presidents e-mail account was hacked and unbeknownst to him was used to send collection letters and a request to be paid with an ACH transfer. The hacker, using the e-mail account, completed an ACH request form and asked our client to send payment for the invoice which was in excess of {$30000.00} to a JPMorgan Chase account. Our company does not have an account with JPMorgan so this was clearly an attempted fraud. The form gives the JPMorgan account number, routing number, name on the account and the same of the authorized signer on the account which was a version of the name of our XXXX XXXX. Our company name and contact information was also on the form. Our client happens to have a policy to call when ACH information changes so the attempted fraud was stopped this time. 

I called JP Morgan Chase to report this attempted fraud in hopes that they investigate the account so that they can find out if the owner is really the person on the account. If they can find the owner, we would like to take action for this attempted fraud so that it does n't happen to someone else. JP Morgan would not discuss this with us because we are not a customer. Hopefully, there is some kind of way to encourage companies to participate in fraud prevention using information provided from anyone that has it. It was so disturbing that they would n't even look at the problem that I believe that if you are trying to use a bank to commit fraud, JPMorgan Chase is the bank for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX keeps calling my home phone XXXX even though I have had no business dealings with this company and have no debt associated with them. I would like the repeated phone calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for the Citibank XXXX XXXX XXXX XXXX XXXX credit card. This card promised to reimburse me {$650.00} towards the purchase of a new XXXX after I spend {$3000.00} on the card within the first 3 months - I satisfied this requirement and I asked Citibank how to get the {$650.00} credit : - I was told that I should purchase the phone through a link on my Citibank account. I did n't have a link. After a few hours on the phone Citibank determined that they have an IT glitch and the link would not work - I was then told to purchase the phone directly using my credit card from XXXX XXXX XXXX. I tried to make the purchase and my card would keep getting declined. I called Citibank and they said the card is fine and it 's an issue with XXXX XXXX XXXX. I called XXXX XXXX XXXX and they said Citibank is not approving the transaction. I got them both on the line and they could n't figure out where the issue was - At that point a supervisor told me that given all the trouble I have had, I should just go purchase my XXXX with another credit card, send in a receipt and they would handle the reimbursement - I went ahead and did that. They have a copy of my receipt but now they claim that they can not process the credit because I did not use my credit card to purchase the phone. This is AFTER they told me to use another credit card I verified with a Citibank supervisor that all this information is noted on my Citibank account but due to technical issues they can not process the credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I purchased several items from Conns and after one week one of th items broke and wanted to return all items due to the poor quality. I had to come in an pay a restocking fee of XXXX to pick up all items. I tried to contact CS and ask them to waive the fee and they refused and also indicated that they do not have a corporate office. The agent continued to tell me what he could n't do as this was very frustrating and overwhelming. Additionally when arriving at the store location I was told I would only need to pay XXXX for a restock by store agent XXXX and now I am told by tje woman store XXXX that I would need to pay restock plus deliver which is a total of XXXX items + XXXX delivery charge total of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NM

Complaint narrative:
Complaint against Coinbase On XX/XX/XXXX, I attempted to buy {$200.00} worth of XXXX. I pressed confirm buy but nothing happened. I watched, logged out, logged back in later, still no indication my purchase had gone through. So I tried the purchase again. Immediately my purchase showed up on the screen as confirmed. I assumed the initial attempt to buy was unsuccessful. 

Then I noticed that my bank account had been charged for two {$200.00} purchases. I checked my Coinbase account and only one purchase was credited. I called my bank and asked them to reverse the payment for which Id received no credit. They reversed that payment. 

Fully one week later on XX/XX/XXXX the initial purchase, for which I 'd had no confirmation, finally showed up in my Coinbase account. But by then my payment had been reversed. I contacted my bank but they could not reverse the reversal. 

Today, I found that Coinbase took back {$200.00} worth of XXXX out of my account but did it at todays Bitcoin price causing a loss to me. This was a problem caused by a failure of their system. I should not incur a loss because of their error. 

Now my Coinbase account is locked. I ca n't buy or sell. I ca n't set up a new payment system. I 'm totally stuck. 

I 've tried repeatedly to contact Coinbase Customer Support with no success. They have no phone number to call. The email address for customer support no longer accepts messages. I 've repeatedly communicated through their online customer support contact system without success.

Company response to consumer: Closed with explanation