vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX has been calling me since around XX/XX/XXXX for debt that they allege i owe. I have asked them multiple times to stop calling me as i am not sure what they are referring to. However i am of poor health and the constant calls have been worsening my health as they bring unnecessary stress which further worsens my health. I finally sent the company a cease and desist letter through certified mail to the company and it was received on XX/XX/XXXX by XXXX XXXX. Since than i have received another collection call dated on XX/XX/XXXX from phone number XXXX. I informed the representative of my letter and hung up however i am worried that they will disregard this letter if they are not given some sort of penalty for violating the law and continuing to contact me. any assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On the evening of XX/XX/XXXX I placed an order for Bitcoin Cash ( BCH ) on XXXX. The order was placed at {$5400.00} and {$5300.00} USD per BCH, which was far higher than the website showed at the time that I clicked " Place Buy Order ''. Shortly after, all BCH trading on XXXX and their parent company Coinbase was halted. Trading did not resume until the following afternoon, at which time the price had dropped to under {$4000.00} USD. The highest price that BCH ever hit according to Coinbase 's own website was {$3400.00} USD on XX/XX/XXXX. I opened a support ticket with XXXX on XX/XX/XXXX and have followed up twice since. I have only received an automated response that they are " experiencing an unprecedented level of traffic ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dear SirsXX/XX/XXXX Re : TransUnion ( XXXX  is worse ) My FICO rating was over 650 in XX/XX/XXXX and early XX/XX/XXXX with aggregate debt of about {$4100.00} My ex wife fraudulently put {$3500.00} on mXXXX XXXX  card reflected inXX/XX/XXXX which raised the total debt to $ 7600+-from {$4000.00} Thus my score went down to Approx 605 The {$3500.00} was removed in XX/XX/XXXX and score went back to only XXXX  although the aggregate was about same as previous ; about {$4000.00} ( i had kept the debt level up to reflect my position as my ex wife was harassing me for money and that I still had debt! ) Since, in XX/XX/XXXXand XX/XX/XXXX, I have paid XXXX down to {$1000.00} and XXXX  to {$700.00} for an aggregate total of {$1700.00}, less than one half of the position in late XX/XX/XXXX yet the rating is only XXXX!! My allowable credit with other parties, all clear ( XXXX XXXX  etc ) is {$29000.00} so I am well under 10 % Also paid off 1 of 2 accts in dispute, the other a hospital amount of {$380.00} still in dispute with XXXX XXXX Hospital I am XXXX years old and trying to buy an inexpensive " over 55 '' condo ( {$30000.00} ) in XXXX county in FL for cash, however the fico destroys my chance with the understated score!! .as they all require a credit report around 650.Most recently inXX/XX/XXXX I was turned down on a purchase as they refuse to read the facts.

My phone calls to TransUnion have met with no assistance or consideration notwithstanding my much reduced credit usage!

Please give me some assistance in this matter so I can have a home which I can afford Yours truly XXXX XXXX  E-Mail XXXX Present residence - XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX  ( with a friend ) Tel ( 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 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Walmart has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-03-26 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: FL

Complaint narrative:
There is a collections item listed on my Equifax Credit report from XXXX XXXX XXXX, XXXX that was listed XX/XX/XXXX in the amount of {$1100.00}. I filed a dispute via US Mail with both Equifax and XXXX XXXX XXXX asking for Validation of the debt. The confirmation number for the dispute for Equifax is XXXX. I received a letter in the mail from Equifax dated XX/XX/XXXX stating the debt was verified as belonging to me. I called XXXX XXXX XXXX at XXXX. The representative from XXXX XXXX XXXX stated that they have not responded to any credit bureaus as of yet because they only just received the notice of the dispute on XX/XX/XXXX and sent in a request to the original creditor " XXXX XXXX XXXX  '' for a request of validation and has not yet received a response. I called Equifax Customer Service and spoke with a supervisor named XXXX who refused to give me her initial of her last name who stated that XXXX XXXX XXXX responded to the dispute on XX/XX/XXXX verifying the debt as mine. I asked if they could send me whatever validation that was used, to which she said no. I advised XXXX that I called XXXX and I advised her of what they told me and she said that is not what the record shows. I asked if I could call the creditor on conference or if she could call being that there is a miscommunication to which she responded no. I advised XXXX that I already have a fraud alert on my account and she said all she could do is have the fraud department file another dispute. I did indeed just that. It is my belief that Equifax is not disputing my accounts correctly and are not truly receiving any validation and I am appalled that they can not send me proof or that they will not reach out to the creditor so verify if it was indeed them that responded to the dispute. I have sent numerous letters and called XXXX XXXX several times since XX/XX/XXXX and I receive the same response every time. I would like this removed from my credit report immediately!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/17, I used my Santander debit card at the XXXX XXXX for {$100.00} to purchase a shower head and received the following text, Free text : Santander Fraud. Did you use your card ending XXXX for {$100.00} at XXXX XXXX XXXX XXXX on XX/XX/2017? If YES, reply 1, NO reply 2. 

I replied 1 and then receive the follow up text, Free text : Thank you, we received your response. The transaction was declined. If you want to make the purchase, have the merchant reprocess the transaction. 

I returned to the merchant, showed them the text and the merchant re-processsed the transaction. When I received my monthly statement, {$100.00} was charged twice. 

I spoke to the vendor and explained the situation and she said she would not contest the claim if Santander re-issued the chargeback but Santander sent a a letter to me stating the claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I placed a freeze on all three reporting agencies. XXXX and XXXX asked me questions to verify identity then freeze was lifted. Transunion REFUSES to lift freeze. They said they are unable to kid the freeze because they can not generate questions from report. I just need Transunion to lift freeze

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 2018-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I worked with Wells Fargo to to qualify for a loan modification and sent in required documents. Though we qualified, each time they would deny us on a minor technicality such as a date missing. I submitted 7 times. Hundreds of documents. XX/XX/2015 and XX/XX/2016. 

Although my husband and I are both became ill and XXXX 10 years apart, we always kept up with the mortgage for many years. Unfortunately I had to file for bankruptcy. 

XX/XX/2017 I filed for bunkruptcy but we had he house on the market on a shortsale and received an offer. Wells Fargo accepts that offer in XX/XX/XXXX and sent us a letter to that effect and a phone call. We were waiting for the closing date but got a letter of foreclosure notice. We thought with a shortsale a foreclosure was not an option given the letter we got from Wells Fargo. 3 days before the foreclosure date we find out from the shortsale lawyer and realtor that they are going ahead with the foreclosure and not the short sale. As far as we are concerned Wells Fargo has played games to go the foreclosure route as opposed to : 1. Loan modification 2. Shortsale Wells Fargo had no plans to allow us to modify the loan or sell the house via a shortsale. They had ulterior motives all along.

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 2018-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, a hard inquiry showed up on my XXXX and Transunion credit reports for a line of credit I did not open at XXXX XXXX XXXX. I then ran my credit reports for all three agencies, only to discover 2 of the 3 showed what looked like someone's profile on my report. I discovered incorrect variations of my name, incorrect home addresses and places of employment, and about 16 accounts that did not belong to me. Naturally I freaked out. The odd thing was a lot of the incorrect accounts were from 2-8 years ago and these had never ever shown up on my credit reports before XX/XX/XXXX. I check my reports often so I would have seen these. 

So the first thing I addresses was the recent inquiry. On XX/XX/XXXX at XXXX PST I called the XXXX XXXX bank that made the hard inquiry on my credit report and they were unable to pull up an account with my name and social security number. None of the info I gave them pulled up an account ... which further made me believe there was a problem with the credit bureaus and not a case of identity thief. 

So, on XX/XX/XXXX at XXXX PST, I called XXXX and they looked into my credit report and the customer service rep noticed that my profile was actually merged with another person with a very similar spelled name ( mine is XXXX and the incorrect one was XXXX ) and social security as mine. They started the process of un-merging my account with this other person. Somehow bc another person has a similar spelled name and social, our records were being merged in their system. Thankfully the customer service rep took the time to go line item by line item to separate the records. Sadly I now have to do this same thing with Transunion because these same errors were on that credit report too. I didn't see anything incorrect on XXXX  yet but I'll keep monitoring it.

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 2018-03-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient has repeatedly called me asking for payments. I understand I have to pay back my student loans. However everytime they call I explain this to them and they tell me i can qualify for {$0.00} for the year. When I fill out the forms it says my wife has to sign and when she logs into her FSA account there are no forms for her to sign. They use threatening language when speaking to me. Threatening me by saying my credit will be harmed by my lack of action, they tell me that my wages will be garnished. The things I have experienced with Navient are very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: NY

Complaint narrative:
XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
No one seems to be able to answer questions about the payments being garnished from my paycheck! The original garnishment order lists XXXX XXXX which was the collection company for XXXX XXXX. When I call XXXX XXXX XXXXhey tell me that they no longer handle student loans and that I should contact XXXX XXXX. Contacting XXXX XXXX brings me to XXXX XXXX website with a message stating my account was moved from XXXX XXXX to XXXX XXXX. I log into XXXX XXXX and my account has a message that I should contact Navient. I contact Navient and they state that they can only assist me if I am calling to make payment in full. Otherwise I should call XXXX XXXX XXXX. Well here we are, stuck at approximately 17 hours of total holding time over a 5 day period trying to get someone on the phone at XXXX. 
I checked with my payroll department and wanted to inform them that they are sending money from my garnishment to a company who no longer handles my account. They stated that they can't change anything on the garnishment without an order ( understandably so ). XXXX   XXXX stated that they can't send anything regarding the garnishment even though they are the ones listed on the garnishment. I checked with Department of Education who transferred me to the XXXX who in turn transferred me to Navient. I just want to know that my money is going to the correct company! Also, the amount listed does not reflect a credit for the canceled amount of {$2000.00}. Any information would be appreciated! Thank you!

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 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
According to Citi, my Visa card provides a 3 % cash reward for charging travel purchases. 
On XX/XX/XXXX I used the card to pay XXXX {$3500.00} plus on the same date another {$6300.00} to XXXX. Both received the appropriate 3 % reward. 

But on XX/XX/XXXX I used the card to make 2 payments to XXXX for {$4300.00} and {$14000.00}. These were allowed only a 1 % reward. This results in a loss of about {$400.00}. 

When I called Citi on XX/XX/XXXX, I was told that this change is controlled by the merchant ( XXXX ) using a code called XXXX and that Citi can not change it. So I called XXXX and learned that the bank issuing the card assigns the XXXX, not the merchant. XXXX also said they have received numerous complaints from customers who follow the rewards promise/incentive to buy their travel packages using cards that promise higher rewards. 

So I called Citi again and the excuse that " the merchant controls which XXXX is to be used '' was repeated. The XXXX used last XXXX was for XXXX was 4722 = travel agencies. InXX/XX/XXXX Citi says it has been changed to 7991 for XXXX XXXX attractions ( other purchases category at 1 % ). [ I think Citi made the change to avoid giving customers the full 3 % reward. ] The Citi reps all claimed this change was made by XXXX. I was offered {$100.00} to compensate me for the inconvenience. I refused and said I thought I should pursue legal advice. The rep warned me that the card agreement permits Citi to change rewards at any time for any reason and that all disputes are settled by arbitration. 

Lesson : Beware of the bait and switch. If you use one card over another because it has higher rewards, you should check the XXXX assigned to your merchant first.

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 2018-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am uninformed as to who this company is and why they are attempting to place a debt in my name, that has now reached my credit report. No letter was sent, no documentation of any kind was corresponded to me in any way shape or form. Neither were there any phone calls placed as an attempt to reach me. Therefore, this company 's arbitrary account with my name associated should be disputed and promptly removed from all credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have previously disputed several unverified accounts with Equifax with no results. I have asked that they produce an original signed consumer contract with my signature on all negative items that they post to my credit report and they have failed to produce this documentation on the following negative items below : XXXX XXXX acct num : XXXX XXXX XXXX XXXX XXXX acct num : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: Midwest Recovery Systems
State: FL

Complaint narrative:
There is a collections item listed on my XXXX Credit report from XXXX XXXX XXXX, XXXX that was listedXX/XX/XXXXXX/XX/XXXX in the amount of {$1100.00}. I filed a dispute via US Mail with both XXXX and Midwest Recovery Systems asking for Validation of the debt. The confirmation number for the dispute for XXXX  is XXXX. I received a letter in the mail from XXXX dated XX/XX/XXXX stating the debt was verified as belonging to me. I called Midwest Recovery Systems at XXXX. The representative from Midwest Recovery Systems stated that they have not responded to any credit bureaus as of yet because they only just received the notice of the dispute on XX/XX/XXXX and sent in a request to the original creditor " XXXX XXXX XXXX '' for a request of validation and has not yet received a response. I called XXXX Customer Service and spoke with a supervisor named Summer who refused to give me her initial of her last name who stated that Midwest Recovery Systems responded to the dispute on XX/XX/XXXX verifying the debt as mine. I asked if they could send me whatever validation that was used, to which she said no. I advised Summer that I called Midwest and I advised her of what they told me and she said that is not what the record shows. I asked if I could call the creditor on conference or if she could call being that there is a miscommunication to which she responded no. I advised XXXX that I already have a fraud alert on my account and she said all she could do is have the fraud department file another dispute. I did indeed just that. It is my belief that XXXX is not disputing my accounts correctly and are not truly receiving any validation and I am appalled that they can not send me proof or that they will not reach out to the creditor so verify if it was indeed them that responded to the dispute. I have sent numerous letters and called Midwest Recovery several times since XX/XX/XXXX and I receive the same response every time. I would like this removed from my credit report immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc
State: CT

Complaint narrative:
Northland Group claims I owe XXXX to XXXX XXXX. This amount includes a fraudulent charge from XXXX XXXX XXXX in the amount of XXXX on or around XX/XX/2017. Several overdraft fees in the amounts of XXXX were also charged to account which stem from charge to XXXX XXXX XXXX. The transaction was disputed several times, a provisional credit was issued at one point, a rep with XXXX XXXX advised me as per an investigator that the claim was closed in my favor. The credit was later reversed, it appears that rep lied to me. Transaction was disputed several more times, never resolved. As I stated to XXXX XXXX  and a prior collection agency which attempted to collect on this debt, I did not purchase anything from XXXXXXXX XXXX XXXXXXXX and do not own a XXXX. The entire balance of XXXX stems from this one transaction which is fraud and will not pay. Northland Group apparently purchased the debt from the previous collection agency whom I do not have the name of, they were advised of the same information and that I refuse to pay.

Company response to consumer: Closed with non-monetary relief