vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
American Express called my mom about my account being delinquent. She told than I do not live there and tried to give them my phone number. They would not take it. They then tried to bully her into making a payment. She told them no and since they would not take my phone number she said she would call me and relay the message. Then she got a letter in the mail saying they took money out of her checking account. Her checking account information has never been associated with my credit card. This is totally my credit card I got an additional card with her name it for her to use as a supplemental card in case I needed her to. She has never used her card. They used her information that I gave them and looked to see if she had a card of her own which she does. She has had her own card for over 20 years. They then got her checking account information and took the money without her consent. They stole her money. They said they put  the money back in my checking account and when I asked them why they would do that then they came back and said they ain’t a check out to my mom already and that she should get it by the XXXX of this month. She kept saying do t worry. Well it is too late for that. My mom has had to borrow mo eu so she could pay her bills. They said they wanted $XXXX paid on the XXXX  of XXXX I paid $ XXXX and they still took that much out of her account and then they stole another $XXXX. That is not not right!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
Around XXXX XXXX,2016, I opened a new account at XXXX XXXX wishing to receive the opening account bonus of {$350.00}. The banker told me that the minimum requirement is {$10000.00} for 90 days. She also told me that the {$10000.00} can be in this account or other account like investment account of HSBC and advocated me to open an investment account. Half a year past, I still fail to receive this bonus. So I contacted an agent online a week ago and she said that I should receive this bonus this week. However, today when I contacted them again, another agent said I did n't meet the requirement since money in investment account are not included for receiving this bonus!! 

The banker is cheating and I also feel very frustrated. Could you help me dealing with this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
On XX/XX/XXXX I opened a complaint against Rent Recovery Solutions and stated " XXXX XXXX opened the account on XX/XX/XXXX ( 4 yrs, 11 mos ago ) following my acceptance onto XXXX  XXXX I was told I no longer was liable for the amount through their management agency. Please remove this immediately. '' The company ( Rent Recovery Solutions ) responded the next day ( XX/XX/XXXX ) and stated " We are holding this account for no reporting pending a re-investigation into the complainant 's claim that she was told that she would no longer have liability. Unless and until we can complete that re-investigation with the community, we will neither collect on nor report this account to any credit bureaus. '' As you can see from the attached image the company has continued to negatively report this on my credit report multiple times after they stated they would no-longer do so. 

Before moving from " XXXX XXXX '' I was taken into the emergency room twice by XXXX and I checked myself into the XXXX XXXX XXXX XXXX where I was kept over night and treated for XXXX XXXX, XXXX, and XXXX upon given medications for my XXXX XXXX. Being that I had no family in XXXX XXXX I had no other choice than to move back to my home town 3 hours south in XXXX, Texas so that I could get the support and help of my family and medical professionals. After moving back with my grandmother, countless doctors, XXXX, XXXX, and professionals I was determined XXXX dating back to XX/XX/XXXX. 

I have medical documentation that I showed, and gave to the ORIGINAL company " XXXX XXXX '' front office staff at the time I had to leave my lease for medical reasons. They confirmed and spoke with their manager at the time, who agreed that due to the circumstances I would not be liable for this then, now, or in the future. 

This needs to be removed from my credit immediately so I can move forward with my life. This should have been removed completely on XX/XX/XXXX when the company stated they would do so, however I 've been waiting for this to get removed for several years. If you need any further documentation, I 'd be happy to provide it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: Firstsource Business Process Services, LLC
State: IN

Complaint narrative:
XXXX XXXX / First Source Advantage is calling my phone number. After researching the number I learned that this collection agency will call friends and relatives and discuss personal business against federal law. This letter serves as notice that THIS IS NOT VALIDATION OR VERIFICATION OF A DEBT. All calls to XXXX must cease immediately. No contact whatsoever. No further information will be given.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase will not validate my bank account in the XXXX so I can transfer money back to myself. I have transferred the required Euros, with all the correct references, to Coinbase 3 times and requested validation on a daily basis for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi I am a victim of identity theft and fraud it shows that I am a policy holder for car insurance from XXXX for two vehicles which one was financed through XXXX and XXXX XXXX and this same vehicle was bought at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX,Ma it is a XXXX XXXX XXXX XXXX XXXX which I DON'T own the other vehicle is a XXXX XXXX XXXX XXXX XXXX  plate number XXXX I tried to call XXXX XXXX last week as well as XXXX and the car dealership as well as the XXXX XXXX XXXX where there cars are registered and have gotten no where and which these cars and the loans show up on my credit report as well as my information shows up on progressive as myself for the policy holder as well as student loans and mortgages show up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Financial Solutions, LLC
State: FL

Complaint narrative:
OnXX/XX/XXXX around XXXX I contacted Accelerated Financial Solutions LLC about a debt placed on my credit report concerning XXXX. The original amount of the XXXX debt was for {$790.00} dating to XXXX of XXXX, Accelerated Financial Solutions LLC placed the debt as being from XX/XX/XXXX in the amount of {$1800.00}. I spoke to a representative from Accelerated Financial Solutions LLC who said his name was XXXX XXXX about the fact that he re aged the debt and also placed the wrong amount of my credit report. XXXX even read the original date and amount of debt off to me over the phone. XXXX stated he would absolutely NOT send me any validation of the debt or change anything unless I paid him something over the phone. He said the debt has been validated and paperwork was sent. I told him I have been calling and asking numerous times for validation on this debt and have received nothing, he said well it will not be sent and that I need to pay him now. By the end of the conversation he read off my home address and my email and said your request has been noted but do n't plan on receiving anything unless I set up a payment arrangement with him. I told them what he 's doing is illegal and he stated he knows what the law is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This company Caine & Weiner that I have no financial obligation to is reporting negative information on my credit report. I never heard of this company. I did not give no one permission to share my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MiraMed Revenue Group LLC
State: AR

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I had XXXX XXXX XXXX thru XXXX, XXXX XXXX XXXX XXXX XXXX which both of my insurances covered. XXXX filed my primary but did n't file my secondary. I called them after I started receiving a bill for the part that my secondary insurance was to pay. XXXX said they did n't have my secondary information so I again provided it to them. A month after I received another bill. Same story but this time I took copies of both insurance cards and mailed it in to them. This went on for a year. Each time XXXX told me they would file it. They never filed my secondary. XXXX only had 1 year to file my secondary. On XX/XX/XXXX I called my secondary to find out if the claim was ever filed, I was told no. While I was on the phone with my secondary insurance they asked me to stay on the line while they tried to call XXXX, there was no answer. My secondary insurance also told me that I was n't responsible for the bill because they would have paid it in full. About 6 months or so ago is when a debt collector started calling me, at least once a week. I would explain to the same person, every time, what happened with that bill and what I was told by my insurance company. It 's not like I did n't try to settle a bill they just refuse to hear me or ignore what I tell them and continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I have XXXX mortgages with Seterus ; I send XXXX separate checks each month. XXXX of XXXX, seterus posted a payment for loan XXXX to loan XXXX ( both checks attached ). I have continued to send two checks each month for these loans ( see attached invoices ). After numerous calls and speaking to supervisors, I was told they can see the problem and they will fix it and notify the credit bureaus of their mistake. This has NOT happened and I am in the mist of buying a house and need this cleared up. Please HELP.

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 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I sent a wire transfer to Coinbase to deposit in my account on XX/XX/2017. 
I contacted Coinbase 's Bank, XXXX XXXX to verify funds went to Coinbase and they verified it was deposited in Coinbase 's bank account on the same day. 
It has been 17 days now and still no reply from Coinbase as to my money that was supposed to be deposited in my XXXX account. 
Coinbase has no person to contact for wire transfers, just a support email for opening tickets, but they never respond to my emails. 
I deposited XXXX with the wire and the XXXX # is XXXX. 
again, XXXXXXXX XXXX used this number to verify that the money was deposited in coinbase account. 
Coinbase never deposited in my account nor have they returned my money,. 
It says the money would be deposited the same day or by 2 days, it has been 17 days. 
Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD

Complaint narrative:
In XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The letter stated that my XXXX XXXX XXXX account was acquired by XXXX XXXX XXXX and placed with this law firm for collection. The letter stated that the law firm was authorized to extend to me a special offer of settlement for {$480.00} ( a 40 % savings from the original amount of {$800.00} ). 

I researched the date of service ( XX/XX/XXXX ) and amount owed ( {$800.00} ) and found that all bills associated with that date were satisfactorily paid by my insurance company. No one from the hospital or related services had turned my account over for collection because there was no outstanding bill. 

In my research, I did figure out what had happened. The hospital originally requested payment under my SSN instead of my husband 's SSN as he is the account holder. Payment was denied by my insurance company. As soon as I realized that happened, in XX/XX/XXXX, I contacted the hospital to correct the error. The bill was then resubmitted to insurance and paid. 

I sent a letter to this law firm with a letter stating they were trying to collect a debt that was not owed. Additionally, I enclosed plus the EOB from my insurance company to show that this bill was paid. The letter was sent Certified with Return Receipt requested by USPS on XX/XX/XXXX. The letter was returned to me marked " Unclaimed '' on XX/XX/XXXX. I filed all that away in case it became a further issue. 

On XX/XX/XXXX, I received another letter with the same information and offer. 

Today, XX/XX/XXXX, I received another from XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX with the exact same offer. This letter had errors in my address that were not present in previous letters. But all letters shared a common address on the enclosed payment stub : XXXX XXXX XXXX, XXXX, CA XXXX. 

I feel like this company bought access to old information and are trying to see what people will be frightened into paying. How can they be stopped?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
On XXXX XXXX,2018 I was going through my credit reports and saw a medical bill that i did n't recognize.So what i did i wanted more information about the debt so I faxed company a Validation Letter requiring the things they need to verify the debt.The weeks later the company sent me a bill but they did n't send the other requirements needed to verify the debt.So as of now the debt is not valid and and need to be removed from all reporting credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX XXXX three money transfer from XXXX in small amounts at XXXX XXXX  I had XXXX left in the acoount. I log in the next day and they were rearranged to great 3 overdrafts at XXXX a piece highway robbery. I did call and they will not rebate any money from Webster bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/XXXX I emailed the CEO of Navient XXXX XXXX explaining that I have two student loans that were opened through US Department of Education/Stafford Loans that came out of deferment XX/XX/XXXX totaling {$17000.00}. A representative by the name of XXXX called me from Navient and advised me that she 'd be reviewing my account on XXXX XXXX XXXX behalf. Since speaking with XXXX, my account balanced has actually increased to the tune of {$18000.00} with a 7 % interest rate as of today XX/XX/XXXX. I have a total of 15 late payments that are showing up on my credit report based on XXXX XXXX  Student repayments options that have never been verified through Navient. I also, asked XXXX about loan forgiveness or a better repayment option and she replied that the type of loan I have is not " eligible '' for loan forgiveness or a different repayment option. I was completely unaware and was never educated on when these student loans came out of deferment, and I was never counseled on the repayment options to keep the loan in deferment/forbearance. My loan repayment plan will be affective until the year of XX/XX/XXXX at that time I will be XXXX years of age.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
On XX/XX/2017 ... i checked my credit report and saw that i had XXXX hard inquiries on my credit report. I called the three companies over fours times with no results ... just holding on for 30 to 40 minutes and being passed from one department to the next one. I called XXXX and they did'nt follow policy correctly ... .i told them three times on the call that i wrote letters and no response and the XXXX agent told me to keep trying ... its nothing they could do for me ... ... i am so tire of the run around and games.I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I travel a lot for business and Synchrony had my accounts on hold for quite some time so I placed my accounts on ACH since I could not access the website. I submitted some documents they needed and never received anything back regarding my status. After returning to the country recently, I had over 500 missed calls from and collection company regarding my Walmart and XXXX account. It looks like these 2 accounts were not successfully added to ACH and I have no idea why not. Since, they have been turned over to collection. After reviewing my balance for both accounts, these balance are incorrect. This XXXX card has an unbelievable amount of fraudulent charges and the collection bureau is reporting this XXXX. This account needs be turned back over to XXXX so the fraud department can correct this. Now the Walmart account. I placed a fraud dispute with this bank months and months ago, and just received a letter in XX/XX/XXXXstating my case was denied due to whatever was fraudulently purchased mailed to my address. For one, the person who stole my wallet had every piece of my information, so I had to get a new idea and put locks on all credit reports. Of course they would have the items mailed to my house and swiped. The other day my neighbor brought a package to my home that had been delivered their home in error. She said she 's been holding it since XX/XX/XXXXor XX/XX/XXXX, because I 'm never home when she come by. This looks like something that was purchased from Walmart and the timeline adds up to when my card was lost. This Walmart case needs to be reopened and someone needs to tell me what I need to do with this box that was not purchased by me. I am willing to do whatever is necessary to get this handled in a timely manner and my credit report fixed with the errors. Another Synchrony account that I can not get fixed is my XXXX. Back in XX/XX/XXXXor XXXX, XXXX was taking care of a fraud claim and was suppose to re-generate a new statement that I could actually pay the balance on. It took them 2 months to get this taken care of and STILL reported 60 days past due on my credit report. This was suppose to be taken care of and removed. Also, I paid the balance in full minus the late fees back in XX/XX/XXXXsometime. The supervisor I spoke to never waived the late fee as promised that which would have placed my account at a {$0.00} status. Since then it has been racking late fee after late fee after late fee. This account was placed on hold, and customer service can not do anything to fix it or either they would take care of the balance.

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 2018-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
My mortgage was with XXXX XXXX. After signing, they notified me that they put the wrong insurance company on the paperwork and made me resign things. Then they sold it to Roundpoint XXXX. They immediately tried to raise my monthly payments because they said they had paperwork with the higher insurance price. I called XXXX and they supposively fixed it. 

Then in XXXXXXXX 2017, I get notification from Roundpoint that they were selling my mortgage. But after they decided to sell it, they did an escrow analysis and decided my payment should be increaed from {$1400.00} to {$1500.00}. When I contacted the new mortgage company, they told me that apparently Roundpoint was paying two different insurance companies ( incorrectly ) and that extra {$1200.00} was them mistakingly paying the new insurance. 

When they did their escrow analysis, they failed to notice they were paying two different insurance comanies. Instead they noticed a shortage for the year of {$1200.00} and decided that I should make it up PLUS increase my payment to cover it for the next year. So they raised my mortgage by {$200.00} knowing they were selling it and the new payment would be to the new company. 

However, because they sold it, they new company is unable to do an escrow analysis for 60 days and expected me to pay the extra money until they could. Thankfully, I asked my issue to be escalated and XXXX XXXX was willing to figure this all out.

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