vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XXXX XXXX 2017, U.S. Bank authorized a transaction in the amount of {$33.00} that caused an overdraft. It was a one-time purchase from a store I shop at regularly. I do not have overdraft coverage. However, they let my account overdraft anyway, and charged me a {$36.00} overdraft fee. 

My agreement states they will not authorize an overdraft without coverage unless it 's through a check or transaction using my account number, automatic bill payments, or a recurring transaction, such as a monthly gym membership. 

Upon contacting their customer service, they stated that it was a recurring transaction. After questioning how it would be considered recurring if it 's just a one-time purchase, they replied, saying it 's because I shop there frequently and they 're considered a recurring merchant. 

The definition of a recurring transaction is a charge applied in predetermined intervals such as a subscription or membership. And my agreement with U.S. Bank even uses a monthly membership as an example. I have NOT found a definition that includes frequent one-time purchases from the same store. And my agreement with U.S. Bank does NOT include that as part of their definition either.

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 2018-01-03 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The original credit line of this card was XXXX they are trying to say i owe more than XXXX i dont know from where or how

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: RockLoans Holdings LLC
State: MI

Complaint narrative:
I filed out a personal loan application for $XXXX.  I completed all of the documents onXX/XX/XXXX.  At XXXX XXXX this morning I was given a call by XXXX XXXX telling me that my application was complete and all I needed to do was sign the promisary note before XXXX XXXX and I would have the money by XXXX XXXX.  I got off the phone and logged in to complete the requested document.  Upon me logging in and clicking continue I was given a denial letter.  I called back and asked them to explain how I went from approved and receiving the money by XXXX XXXX to being denied.  Nothing had changed in my credit report.  I was told well until you hit continue we don't really know if your approved until we run a hard credit report.  Then why is an employee on a recorded line telling me I was approved and would have money by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX and I have been a Bank of America XXXX member for over 10 years. 
I am submitting a request to rescind partial payment in the quantity of {$1100.00} for a transaction placed on XXXX XXXX, 2016. Bank of America has refused to pursue this dispute. I have submitted complaints and refund requests twice to Bank of America. None of my notes were included in my complaints or requests. I was not able to upload information to my dispute file that could have helped transaction agents decide upon this issue. 

This transaction was for XXXX XXXX treatment with XXXX XXXX XXXX, an online XXXX practice headquartered in XXXX, TN. The company takes your XXXX molds and creates XXXX aligner trays to  straighten teeth. Like braces, XXXX treatments are slow and take several months as teeth are slow to move. 

XXXX XXXX XXXX did not inform me that my case was outside of XXXX 's treatment specifications at any point prior to the end of my treatment. I was not informed during my pre-enrollment, my case approval, initial treatment, or any of the refinements that my case could be outside the scope of their treatment. I was informed after 1 year of treatment- leaving me without any recourse of monetary recovery or dispute coverage from my bank. 
Because of XXXX XXXX XXXX treatment plan, I went to a local XXXX for a diagnosis. My XXXX reported that XXXXs plan has caused XXXX damage, pain, and XXXX  erosion which needs to be treated. None of these complaints have been acknowledged or pursued by the company. 

I am not the only patient that has experienced issues and asked for refunds from this company. Several complaints have been issued by the Better Business Bureau ( BBB ).  There are complaints about communication and quality of service all over XXXX and their homepage on social media. 


I would like Bank of America to pursue the transaction dispute against this company. I feel taken advantage of by both Bank of America AND XXXX XXXX XXXX. I would have hoped that Bank of America would protect us customers. Sadly, I feel that this bank has not done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I have called ally bank everyday for two weeks and they tell me there is a twenty five minute wait time nobody will answer, I need to withdraw some money and I ca n't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
in XXXX I filed for a chapter XXXX protection in XXXX, i was making my payments and due to my health i had to quite working I was unable to make a chapter XXXX and the case was not discharged. I moved to XXXX XXXX and in XXXX filed and received a discharge for a chapter XXXX for the creditors that was listed in the XXXX chapter. Transunion reported it as a chapter XXXX discharge in both XXXX and XXXX, even though the XXXX chapter XXXX was not Discharged all the other credit reporting agency have removed the public record but for some reason Transunion has not. I have checked with the court in XXXX and they say that it has not been discharged but Transunion keeps insisting that they can verify the information. The fact is it is against the Bankruptcy code to file and have discharged two chapter XXXX with in ten years. I do not know who they are verifying there information with but i know that the one in XXXX should not be showing discharged I am just trying to get the correct status on recorded and not be dinged for the same thing twice. Docket # for XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: CA

Complaint narrative:
The original credit line of this card was XXXX they are trying to say i owe more than XXXX i dont know from where or how

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I made an international bank transfer from my XXXX bank ( XXXX XXXX ) to Coinbase Inc ( XXXX company ) for the sum of XXXX Euros on Sunday XXXX XXXX XXXX. My bank released the funds on XXXX XXXX ( due to the holidays ) and Coinbase should have credited my account within 24-48 hours. I have still not received this transfer and I contacted Coinbase support team ( online ) on Thursday XXXX XXXX XXXX and on XXXX XXXX XXXX to raise this issue but they have not responded at all to my requests. Their telephone support system was also not accessible. They did however gave me a case reference number # XXXX. 
If you can help to sort this matter out I would be very grateful. 
Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I initiated a "credit line increase request"  with Citi/CBNA yesterday XX/XX/XXXX. The disclaimer on their website states:"By clicking "Continue" you understand that we will obtain a credit bureau report to evaluate your request. Our credit department will notify you of our decision or let you know if we need more information."This does not indicate that it will be a HARD credit pull, which I was alerted to today XX/XX/XXXX. Citi offers card holders their XXXX score for free, so why do they need a hard credit pull for a credit line increase?  I would like the pull reversed please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BB&T CORPORATION
State: IL

Complaint narrative:
I went to a XXXX XXXX to buy a car. I came to find out the salesperson used deceptive and fraudulent tactics to obtain the sell which caused personal and credit damages to me. I do n't have the means to pursue them finically so I have never filed anything against them. 

I was initially denied the car because of my credit, even with my mother cosigning. The following day the salesperson called me said he found a way to get me approved. So I went to the dealership to sign the papers and drive off in my car. When I got my first bill for the car the statement it was far from what I and the sale person agreed upon. I took a look at the papers they gave me and my personal info was incorrect and the price was incorrect. I came to find out the salesperson change letters around in my name and added false info to me and my mother applicant to get me approved. I called the finical company and told them the situation. I asked to return the car but the operator could n't give me a straight answer on how the process worked. I got frustrated and hung up and called to get another operator, I told the operator the same situation and that I could n't afford the car and the information was false. I would just like to return the car to the dealership, the person threating that I would still have to pay for the balance left of the car even tho I did n't make one payment and the sale person add fraudulent information to my application. After not paying a payment on the car eventually, the repo person came and pick the car up. I thought the situation was taken care because I did n't hear from them after they came and got the car. I recently notice info on my credit as well they have taken legal action against my mother.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NY

Complaint narrative:
I received a letter from American Coradius International LLC, the number is XXXX.  They claimed they owned XXXX of my debt, the creditor is XXXX, XXXX.  I checked my XXXX account, there is a $XXXX balance, I've never carried a balance on XXXX, this is obviously a false claim by a crooked collection agency that somehow got my address through dubious tactics.They claimed their NY State License is XXXX.  I'm reporting them to you for investigation of fraudulent debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Federal Pacific Credit Company, LLC
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I received a letter for an attempt to collect a debt from Federal Pacific Credit Company. I also looked to see if they were licensed in my state, which they are n't. 
Actually, their license is expired as of XXXX/XXXX/XXXX license number XXXX effective XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made payments to my Capital One account in XX/XX/XXXX through my mobile app. The XX/XX/XXXX Bill ( statement ) had a due date of XX/XX/XXXX. The Card was paid on the XX/XX/XXXX and the XX/XX/XXXX. My credit reports that XX/XX/XXXX was late. I wanted it removed by going through Capital One and disputing it. Capital One has yet to resolve this matter and its been on ongoing struggle with them. This is the only blemish on my credit holding up my VA loan approval for my families first home. 

It appears that they probably misapplied one of my payments and are having a hard time fixing it. I have a letter dated XX/XX/XXXX which stated to please allow 15 days plus another 10 for mailing? That puts us at XX/XX/XXXX max to investigate and up to 10 days to mail. Should have received this by now, and a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
OnXX/XX/XXXX untiXX/XX/XXXX my student loans were placed in deferrment without my permission. I was completing my dissertation at XXXX XXXX University but was still able to work full time and make my payments. I had automatic account deduction set up so I had no idea that my payment was not being made. 
When I found out my loans were in deferrment, I called and asked the servicer to remove the deferrment and to never do that to me again. Little did I know that the deferrment had gone on so long and I had accrued over XXXX in interest during my deferrment. 

Now, unless I make a lump sum payment of over 8000 dollars, none of my payment will go toward the principal amount because all payments from now for the rest of the year will strictly go toward accrued interest and new interest before being applied to principal. This is not fair. 
1. Complaint, policy that allows any company to put your loan in deferrment without specific permission from the borrower. 
2. Complaint, the ability to apply all my payment toward interest of interest before any principal can be touched makes it impossible to get out of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I had my vehicle repossessed after losing my job with a remaining balance of {$8500.00} in 2015. Within a weeks time I reclaimed the vehicle and paid all fines associated with reclaiming the vehicle. I continued to pay the vehicle at the minimum payment of {$180.00} up to double to amount, {$400.00}, due per month. The vehicle is paid off and still shows on my credit report with inaccurate information. I attempted to call the bank but only get shuffled around departments and never to anyone who can assist with the issue. I have had multiple people tell me the bank does n't hold the account but yet it is reported as such on my credit. Not only has my XXXX credit report failed to change but I have also not received my lean release.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
American Express reduced our credit limit lowering it to just over the purchase thus causing our credit rating to be affected even though we never missed a payment on our credit history. They said it was triggered it by something sent by XXXX. They said they had the right, but reducing to so near the current balance causes chances of problems or payments to cause adverse effects to the client. Thus the business practice why used to protect themselves can have a good credit score to turn bad because of a business decision that is typically auto done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I can not access my account for almost a month as it is locked and my mobile phone to access it stopped working. All they needed to do was remove 2 factor authentication for me so I could set it up on my new phone. Instead, they locked my account and I can not get them to respond to many, many messages and calls. Im stuck in a black hole of automated emails and replies that are going no where. I do n't even know if they are still working on my issue. I ca n't access my funds ( digital currency ) for almost a month now and meanwhile one of my digital coins is going down in value. 

Help! 
PS : None of the attached emails that appear to have solved the problem actually worked ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I purchased a prepaid debit card as a gift at a retail store ( XXXX ) in XXXX or XX/XX/XXXX The person I gifted it to attempted to activate the card via on line and by phone. She was unsuccessful. She returned the card to me and I attempted to do the same and called ( XXXX ) netSpend on three different occasions and they would not activate the card or refund my money. On my last call ( today XXXX/XXXX/XXXX ) they refused to help me at all. I requested to speak to a supervisor and I was disconnected. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX my unit was picked up from my place of employment. I contacted the lender and they advised I was 54 days past due and because of a previous cease and desist - they could not contact me, and since I didn't call them they moved forward with an involuntary repossession. I questioned the cease and desist and why nothing would be sent in writing ... I was advised there is a full and a partial cease and desist and they have me as requesting a full. I requested the email request for cease and desist that I sent as well as the verbal request be pulled for review. I questioned there policy and procedure and how it relates to cease and desist and is there a required script. I was advised that while they are not permitted to make contact with a full cease and desist they do have to follow all state and federal laws so if a RTC is required by the state regardless of the cease and desist they have to send a RTC letter. So I am asking the CFBP to look into not only my concerns but take a closer look at bridgecrest and there repossession policy. I am asking that all calls made to me be pulled and a determination made if  FDCPA was violated with the amount of calls generated to me in the months of XXXX, XXXX, XXXX, XXXX and XXXX. I am asking that the CFPB specifically look into bridgcrest Cease and Desist policy and how it relates specifically to my account and not receiving a RTC letter. I would like the CFPB to look into how me speaking to them on XXXX in regards to warranty information on my unit, relates to no communication within 30 days and a repossession at XXXX dd. I also spoke to a rep on XXXX  who advised the locks on my unit were ordered to be changed by the tow yard and this would be an additional fee if done. When I arrived to the yard to pick up my items the manager advised bridgecrest would never change the locks on the unit because it is foreign in addition he showed me his computer screen, which showed all communication with bridgecrest and never was the locks being changed a conversation or request.  This is fraudulent behavior by bridgecrest representatives and only adds insult to injury. I have made a verbal complaint with bridgecrest, I have filed 2 complaints as of today with the BBB.  I will be filing a complaint with the State Attorney's office and will continue to reach for assistance until someone can explain to me how my rights as a consumer were not violated and or my vehicle is returned.

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