vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have tried numerous of time to have late payments remove from account that are hurting my credit score. I was never late and have tried several times writing good will letters but no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
Notice a collection account was added to my credit report on XX/XX/17 that does not belong to me. I recently had my identity stolen and have a police report to support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently opened a Premier High Yield Savings Account with CIT Bank. I received an email on XX/XX/XXXX that account had been funded. I received my first statement with CIT Bank and the total amount of funds sent to open account was short by $ XXXX. I tried logging in to my account ( I had logged in previously, shortly after account was funded ) and I believe the correct amount was shown in account. When I went to log in today, XX/XX/XXXX, I received message to call customer service. I did so. Customer Service told me I could not access my account and that a " specialist '' would be calling me in 3-5 days. I asked to speak to supervisor and she said same. They would  not give me any information on why a specialist needed to speak with me. It is very upsetting to me that I have to wait 3-5 days to find out what is happening with my monies, not to mention that if I needed the money quickly, I can not have access.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment. 

30 days late as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Being blocked from allowing access to my data for virtual currency purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have not been to anyrhung medical to have medical bill with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am trying to connect my bank account with XXXX XXXX and they notified me that Capital One is not allowing me to connect my account. XXXX notified me that I have the right to access my account and suggested for me to contact the company or file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I entered into a contract to purchase the property located at XXXX, CA on XXXX XXXX, XXXX. I provided a good faith check in the amount of {$3000.00}. The agreed price of the home was {$230000.00}. The sellers bank requested a price increase to {$230000.00}. I agreed to the increase. I requested and paid for a termite inspection, a property inspection, and an appraisal. Because the property is a short-sale there were some repairs required by my lender prior to close of escrow. I request assistance in the repairs from the seller, who declined stating lack of funds. I requested an extension of escrow to allow enough time for the repairs to be completed. Once everything was signed off on by the city building inspector my lender informed me that because it is a short sale that they required a letter from Select Portfolio Servicing , Inc. ( SPS XXXX approving the sale because the previous on had expired on XXXX XXXX, XXXX. We had requested an extension of escrow, but we were not able to get a letter with a new closing date from XXXX. We have been requesting it since XXXX XXXX, XXXX. XXXX requested to increase /amend the price again and I have agreed but they still have not provided me with a letter approving the sale with a revised closing date. I am buy the house to have a place to live because me and my husband have recently divorced. I do not feel like XXXX is following good business practices, and is not treating me or the seller fair. This should fall under some type of contracts, and fair business practices, or something. This company should not be allowed to treat people like this. I do n't know what law they have broken, but there has to be some way to stop these banks from making people foreclose on their home even when they have someone willing to purchase it. And they should be reasonable because the house could not even pass the inspection by the city building inspector, and no one else was willing to make the repairs. Now they are stalling trying to make me pull out. Both myself and the seller will lose money on this, and I will not be able to recover the money I spent on the repairs. There should be some laws, or rules that should be followed for short sales. The local real estate market is not doing very well, and this type of thing only makes things worst for people trying to purchase a home. There are still additional repairs that will need to be made before I can even live in the house. I have attached the inspection report for review. 
I have contacted the company to file a complaint, but they told me that I could not do anything without the approval of the seller. They would not provide me with any information about where and how I could file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
in XX/XX/XXXX i told XXXX precisely the garage door opener system i had and ordered the opener remote control item they said would work. it did n't. completely wrong. also no invoice was enclosed with the item, but the charge ( {$82.00} ) appeared on discover. after trying unsuccessfully to make it work XXXX sent me a second, different product, which did work. i asked for a shipping label to return the first, incorrect item. they sent me a label for the second, correct item which i wanted to keep. i contacted them again on XX/XX/XXXX and they said, " Upon checking on the order, I have see that you can return the item on store. 
Visitor ( XXXX GMT ) : ok thanks. i 'll take everything i got with me. 
XXXX ( XXXX GMT ) : Please visit store with your invoice and our team will help you! '' so i went to a XXXX store where they refused to take the item back. they said that they did n't carry it. 

i contacted XXXX again on XX/XX/XXXX and after a long talk, XXXX could find no record of the first purchase ( wrong part ) : " XXXX ( XXXX GMT ) : I believe in keeping transparency. The order number provided by you does not show up in your order history. '' i gave them every number on the package i could find plus they had my name, address, date of transaction, part number, etc. still they found no record, so they would not let me return the item. 

now discover has sided with XXXX, saying i must provide proof of return in order to get the charge reversed. I mailed discover transcripts of all chats ( several pages ) documenting that XXXX sent the wrong part, sent me the wrong return label, told me to go to the store where they refused the part, and finally had no record of me ever buying it so i could n't return it. how can i get proof of return when XXXX  wo n't let me return it? i think i have done far more than my share to resolve this, including more than an hour and a half on chat and wasting time and gas driving to the store as they directed me as well as printing and mailing pages of transcripts along with every number concerning the part that i can find. 

sorry this was long. thank you for your patience. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-10 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: RELIANCE FIRST CAPITAL LLC
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX, I applied for a home loan to refinance my current mortgage. The application was sent through a mortgage broker to Reliance First Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. When I received the application summary letter from Reliance First Capital, which included my credit report, it also contained an application summary for a completely person for a loan she applied for on XXXX/XXXX/XXXX. The documents contain this individuals complete credit report ( via XXXX mortgage ) social security number, all of her account numbers and other XXXX. While this may have been inadvertently included in my mailing, it still raises concern about the quality control and compliance processes at this company. I am now concerned that my denial letter with full XXXX is being dispersed to other consumers who have applied for loans through this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have been getting constant calls on my home phone at XXXX from this number as well as other numbers associated with Portfolio Recovery. Other numbers include : XXXX XXXX XXXX XXXX XXXX XXXX I have been receiving calls from these numbers for the past month and a half, and even on XXXX and XXXX. There is no message left. I do not pick up the phone because of that. I have also not received any letters in the mail, or any emails regarding this. I am also on the Do Not Call list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express has not been transparent or truthful in providing accurate interest across Promotional balances. I 've asked for evidence of this throughout the course of the timeline of the account being open. Instead of providing a balance sheet with interest calculated per charge, they just claim that putting just the Interest that I owe on the statement is enough to go off of. This is very concerning, because it 's easy for human beings to stand by something that a computer is clearly displaying. American Express representatives do not see how calculations of interest are being accumulated. They just see what I see on my statement, which is just a total interest amount. 

I 'm not convinced that the interest they claim is being calculated is always 100 % accurate, according to how Credit Card laws specify what is proper procedure for calculating interest. Many representatives just claim that American Express has been in business for many years, so why would they charge incorrect interest. I 'd like to point out the various lawsuits that have happened where American Express was ruled to have been doing just this. I guarantee they 'll " skim '' through this and reply with just their " formulas ''. What they should be providing is full disclosure of each charge and what interest amount became accumulated as a result of that charge. This helps me understand how I can compare my calculations to theirs to see where the disconnect is. I refuse to pay for profitable interest on their behalf either calculated intentionally or unintentionally that is INCORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX XXXX XXXX notified me of new accounts placed for collection. When I checked my mail, there was a letter from XXXX XXXX XXXX regarding a debt they purchased from Pendrick Capital Partners, of which I have never received any correspondence. They have listed 3 items, from XXXX and XXXX, 4 and 3 years ago, respectively, and I am unaware of these charges. I 'm trying very hard to get my credit fixed and my score back up, and this was a shock to me. I also have a negative comment from the XXXX XXXX for XXXX XXXX XXXX, and I have n't even walked into that place in at least 15 years, so I have no idea what this charge is for because I do not use the clinic or any of it 's doctors or services. I 've been trying extremely hard to keep any and all medical payments made and kept current, so I 'm very surprised about these bills because I had no prior knowledge. I 'm also very upset that XXXX put this into my credit report immediately instead of sending me prior correspondence to let me know about it so that I could see what it was even for. Thank you in advance for any assistance you might be able to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: KEYCORP
State: FL

Complaint narrative:
After speaking with multiple representatives from Key Bank and XXXX, I am still unsure as to the why I am no longer eligible for forbearance. I am told by the representatives that I have already exhausted my time in forbearance ; however they will not or can not explain the policy or law-basis for the time limit. Simply put, I would like to understand what the forbearance time limits are and what, if any, similar options are available. 
I finished my degree on XXXX XXXX, XXXX. As such, I do not have the financial resources to pay the required amount owed. So, in an effort to determine and understand my forbearance options, I contacted both XXXX and Key Bank multiple times. My most recent attempt was a call on XXXX XXXX, XXXX which resulted in an attempted transfer to a manager by the representative, which resulted in 30-plus minute hold and then a call disconnect. 
Because, after multiple requests, I have not received an explanation as to the basis for the exhausted time allotted for forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I spoke to the person who called me and I told him that I just had XXXX and I have been out of work for 15 months due to an injury that occurred at work. I promised to start making payments as soon as I return to work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I want an investigation into how and why Equifax allowed Customer Credit Reports to be breached and how I was affected by this unfortunate event. I want all available information Equifax has as a result of this breach to be disclosed to me indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
I have been repeated calls from the number XXXX at my home number, XXXX for the past several months now. The number, which is listed as unavailable on my phones Caller ID, does leave a message that they are in essence trying to contact me regarding important personal business. The voice in the message is male with somewhat of a southern drawl. I have answered the phone a couple times, but when I do and try to see what the message or the call is about, I get a message saying something about the person they are trying to reach, but the name is unintelligible because it is done by a computer and it is very hard to make out. I have tried contacting the FTC about this since I am on the Do Not Call list. But nothing has been done about this. I usually get at least one call per day from this number, and I have saved up to about 15 of the most recent voice mails from this number on my home phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX, I made a wire transfer in the amount of {$1800.00} to Coinbase, Inc. ( XXXX ). This money is supposed to show up in my account, at most, one business day after being sent. Today is XX/XX/XXXX and it has yet to show up in my account. I have called Coinbase 's customer support line eight times and every single time the automated message said that they were experiencing heavy traffic and then hangs up. I sent 4 e-mails to them as well, but have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
I made every attempt to contact XXXX XXXX XXXX with no response. I responded to one letter they sent me stating they are trying to collect on an invalid debt with no response from them. I have even written a letter to their attorney explaining the situation with no response from them either. The debt they claim I owe is completely invalid and will not be paid to them under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with COMMONWEALTH FINANCIAL. I have never done business with this company. I am not liable for collection from this debt from COMMONWEALTH FINANCIAL. I am not responsible for this debt with COMMONWEALTH FINANCIAL. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I was on a XXXX XXXX to XXXX. I am XXXX XXXX XXXX. I was with my partner. We were in XXXX in a store to purchase a coffee. There was a line behind us. 
I paid for the coffee and put the wallet back in my pocket. I did n't notice tilwe returned to the hotel that the wallet was stolen. I notified the credit card company from XXXX. Being on a tour we had to leave in the am. When we got to XXXX we went with the tour guide to the Police station. document attached. We also lost XXXX and XXXX XXXX in the wallet.We spoke to XXXX customer service about the card.After several calls they took the charges and fees off. The card has cash advances etc. I had card for twenty years and never had a cash advance. 
Theysent out a following letter in XX/XX/XXXX ( attached ) The letter stated we participated in the fraud by giving the card to the merchant. Total lie. How did they come up with that erroneous conclusion.. I tried numerous times to reach them. They refuse to give me a supervisors name. They transfer my call to people who do not help. 
I reached on person XXXX who said he will get back to me in 3-5 days. Ten days  ago. 
I leave messages no calls me back. 
How dare they accuse me a fraudulent behavior. I do not know anyone in XXXX. 
Economically I have no reason to steal for the company. 
They continuously give me the run around hoping I will give up. 
I want these fraudulent charges taken of my card along with the fees you are charging for the fraudulent charges. 
I have never encountered a company like XXXX card. XXXX XXXX XXXX XXXX card is trying to scam me. 
What proof could you possibly have to prove I handed the card over to the merchant. 
I would like to see your proof.You accuse people of fraudulently using the card. Produce the evidence to the Consumer Financial Protection Bureau. 
It is despicable behavior on XXXX credit card. I have been a customer for over twenty years. Not even a late payment. Maybe you think if you put enough blocks in front of me I will give up. No I want those charges taken off my account. 
There whole response in their letter defies logic. I want this fixed.The total charges are {$1000.00} plus accruing fees.

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