vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
After BarclaycardUS.com rejected one of our XXXX XXXX account checks [ with one of our vendors ] accompanying with the offer of 0 % promotional APR through at least XX/XX/XXXX, on XX/XX/XXXX. We called around XX/XX/XXXX to find out what was the problem when we were notified by mail. It is now after to the XX/XX/XXXX deadline for the offer to remain valid. Meanwhile, another 0 % APR offer arrived with a deadline of XX/XX/XXXX. The representative now asks us to file out the application online for the balance transfer to be honored. We asked if XX/XX/XXXX, the new 0 % offer could be applied to this application since we will not get a decision on this online application until after the XX/XX/XXXX deadline. The representative stated this new offer was good to apply to our online application and she would make a note of it in our account. After paying {$250.00} in fees for this approved balance transfer, we were shocked to learn on our first statement no promotional date was applied and we were being charged another 16.24 % interest for the vendor balance transfer due XX/XX/XXXX. We called again asked them why the new offer with a promotional date of XX/XX/XXXX, was not being applied and they stated that offer was not applied to the loan transfer and standard rates applied. I told them that someone lied to us then and we would not have made the transfer only to take our business elsewhere & pay another balance transfer fee. Our balance has been at XXXX for years and it would have remained at XXXX if what we were told by them while filing the online application was not true. Their response : They would not admit they lied to us and did not care if we found another 0 % offer with our over 800 credit scores. BarclaycardUS.com provided misleading facts during our application process and lacked in its fiduciary duty to lending to the public. They never came out and stated this application will not qualify for the new offer. We thought we had an agreement that included the new offer with a promotional date of XX/XX/XXXX, and 0 % until that date was reached.

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 2018-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo, past due account. Never ever had account with them. They call every day

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 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
The act of cramming is unlawful under section 201 ( b ) of the XXXX communications act. The commission rules say a fine of {>= $1,000,000} for any common carrier that knowingly commits the act of unjust and unproper charges in the provision of telecommunications service. XXXX XXXX XXXX XXXX will be reported to XXXX  and FCC for violation on intake form 208 if not corrected federal law state actions may be brought fourth in federal court of law, or to the fcc commission. Account number XXXX has been unlawfully continuously attempting to collect a debt that is not valid. I owed {$280.00} and was shot on XX/XX/XXXX during which time my phone was disconnected and then terminated, but still charged monthly fees when I had no access along with early termination fees. XXXX XXXX XXXX has collected unjust amounts of reconnection fees in the past and was warned they would be sued if the unlawful cramming continued. When I notified XXXX of credence   account was sent to sunrise credit in attempt to dodge my claims of deceptive business tactics. My phone was stolen during attempted robbery when I was shot and as such XXXX XXXX XXXX refused to send me a new device even tho I paid for insurance and tried filing claim with XXXX. The balance of was {$280.00} from XXXX that I owed after being almost killed in XXXX. My service was suspended and I couldnt use it during recovery but my bill jumped to {$610.00} in XXXX. After complaining in XXXX they terminated me and charged me {$1200.00} which is unjust, and unlawful after being a valid customer for 2 years. I only owed {$67.00} on my daughters mom XXXX and she has had her phone number for 10 years that XXXX XXXX XXXX now refuses to allow to be transferred. This has caused me to stop communications with my daughters mother extreme stress and duress on my life. I have sent letters to credence for disputes, and tried contacting the office of the president.

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 2018-05-08 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: DISCOVER BANK
State: CA

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an account opened with Discover Bank XX/XX/XXXX using her information without her consent. A formal dispute of this account was sent to Discover Bank XX/XX/XXXX and as of this date Discover has failed to reply to the outcome of the dispute/investigation. This is a violation of the FCRA and my client 's consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I have a judgement from XXXX from XXXX XXXX XXXX. It has been reported on my credit report that I owe {$6000.00} as a collection account. 

However, I have recently had my wages garnished for this matter in the amount of {$1500.00}. This was paid approximately 2 months ago leaving the judgement as satisfied 100 %. There is a Writ of Garnishment and Summons in the amount of {$1500.00}. There is NOT one for the amount of {$6000.00}. 

On XX/XX/XXXX I wrote a letter to XXXX asking that they validate the account for XXXX XXXX/US Collections West ( Collection Agency ). I received a letter from US Collections West , Inc. on XX/XX/XXXX showing the total amount owed is {$7200.00} which includes interest of {$1200.00}. They included the Writ of Garnishment for {$1500.00}. They also included a Writ of Restitution that is nearly completely non legible. Regardless of any dollar amount in regards to this case, the fact is {$1500.00} is the amount that a judge has decided was owed and garnished from my wages. This is the amount, if anything, that should be on my credit report. The inaccurate reporting has hurt my credit for almost the last 5 years. There is a huge difference between a debt of approximately {$1500.00} and $ 6,000+. The ways that this has impacted my credit are immeasurable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Money was overdrafted on the same day resulting in - {$12.00}. Wellsfargo immediately charged an overdraft fee without giving me a chance to fix it. Upon calling and asking for a first time waive, they refused and offered me a 25 % off. When I asked them if there was anything else they can do to help, the person ( XXXX  ) I spoke with threatened to recline the offer. I had no choice but to accept it as they explained the offer was one time and wont happen again.

I have been a Well Fargo member for years and they cant even extend a one time full waive. That is extremely insulting and shows they dont really care about their customer base. {$35.00} fee might not be a lot for them, but for someone who lives paycheck to paycheck, it is a weeks worth of food.

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 2018-05-08 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On several occasions Wells Fargo has fraudulently, lied to me and told me that I can not link my rewards cash back to my principal mortgage, which in turn has prevented me from earning cash back that would go towards my mortgage principal. Also, Wells Fargo has failed to attach my Visa credit card account to my online banking account so that I can not see what my bill is or make timely payments and have been charging me monthly {$27.00} or {$29.00} a month in late fees when they're not sending me a statement. I have an excellent credit score I pay my bills on time my mortgage has never been late with Wells Fargo Wells Fargo is extremely fraudulent and how they handle their customers. Please check into my mortgage Hamp modification where I was granted XXXX in equity and I believe my payments is not going towards my mortgage and my Principle as i was told it would be going towards.

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 2018-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I locked my coinbase account because I thought someone else was trying to login to it but I was mistaken and it was just a prior login I had attempted but put in the wrong info. On XX/XX/XXXX I requested that the account be unlocked so I can have access to it. I generic emails from coinbase and responded to them and each time I respond it says that I can't respond to the emails even though it says to respond directly in the emails. I have called customer service upwards of 10 times over the last 4 months. I have been assured that the case is being handled and then a few times they even admitted that they messed up and the case was just sitting there. I most recently received an email on XX/XX/2018 which seemed like someone was actually looking at the case and he said in the email " After youve taken steps to secure your e-mail and phone, please respond directly to this email to request access to your account be restored. '' So I responded to the email and go the automatic response again! The auto response says " Thank you for contacting Coinbase. 

In an effort to respond more rapidly to support requests, direct emails to this address are no longer enabled. 

To get a response from our support team, please visit the following page and complete the request form : https : //support.coinbase.comXXXX  Please use the email address that you use to log in to Coinbase, select the appropriate category, and include as much detail as possible when submitting your request. 

Thanks in advance for your patience and support. '' But I am not going to continue to submit tickets to create new cases if they can't even answer and fix my first ticket. 

I just want access to my account and the support I have received to far is borderline fraudulent that it has been 5 months and I still have no access to my funds on coinbase and there is no sign that I will get access to them soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: Client Services, Inc.
State: FL

Complaint narrative:
A company called Client Services Inc. has been contacting me frequently. The calls come from different numbers every time. I have received messages which I still have recordings of. These phone calls are all for a person I do not know, and on five separate occasions I have explained this and been assured my phone number will be removed. The calls have become such a nuisance that I have to avoid picking up calls from numbers I don't know, which I need to be able to do for work. The most recent phone call was a few minutes ago today ( XX/XX/2018 ). I can track down more dates if needed, as like I mentioned I do have recordings. I have also called them back myself to address the issue of them having the wrong phone number, and again they assure me it's being corrected. On one of these occasions I was called back the very same day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an account opened with American Express Bank XX/XX/2018 and a balance transfer was made using her information without her consent. An official dispute of this activity and account was sent to American Express Bank XX/XX/2018 however as of this date no reply or any outcome of investigation has been received. This is a violation of the FCRA and my client 's consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After Experian mailed me my results of deleting XXXX accounts from my credit report 3 days ago, I received today notice from Experian that they were going to reinsert the XXXX accounts back because Experian claimed I said I claimed fraud in regards to the XXXX accounts.Their claim is inaccurate because : 1 ) Reference XXXX complaint # XXXX, I said that XXXX XXXX was fraudulently reporting that they have possession of my student loans. They sold my loans to another servicer in XX/XX/XXXX and did not have possession since. I was implying that the 3 credit bureaus knew this fact and allowed them to continuously report to them. Thus not properly verifying the information. I stated in lamens terms that the reporting is inaccurate not fraudulent. 

2 ) I also found out that Experian placed a fraud alert on my account yesterday without my expressed written permission. 

3 ) Experian most likely was notified by XXXX about an account that I disputed as Fraudulent on my XXXX credit report, weeks ago. 

4 ) When I logged in to find who was my servicer of my loan, it was not XXXX. It was XXXX, who is the US  Department of Education 's   default resolution group. 

5 ) I have recently consolidated my student loans and another servicer that's not XXXX has possession of the loans currently. 

6 ) I disputed fraud on a different account I located on my Experian report. But the dispute was submitted on XX/XX/XXXX. So the re-insertion letter was not about the account I submitted a dispute for on XX/XX/XXXX because the investigation has barely begun and its too early in it to make a decision. 

Please see the attachments ( One of the screenshots is a sample of what is being reported across all of the loans ). I certify that the claims listed are true to the best of my ability.

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 2018-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Bureau of Fort Walton Beach, Inc
State: AL

Complaint narrative:
Calling every single day with a robot voice, never a human. Calls have been happening for over 3 months every week day, try to call the number provided and never get an answer, they only leave voicemails. 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 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HW Holding, Inc
State: TX

Complaint narrative:
XX/XX/XXXX - I pull my consumer report and an eviction from XX/XX/XXXX is still present. I received a letter from the OCA which was handling the default judgment stating this would removed from my credit report within 90 days. That letter was dated XX/XX/XXXX. 

XX/XX/XXXX - I contacted the court handling the case and told them it was canceled by the OCA. I was told I had to take the letter to the apartment complex and ask them to vacate the judgment. 

XX/XX/XXXX - I went to the apartment complex to talk to them about this matter. I was told the letter was wrong, and that I owe {$4100.00}. I don't understand how the OCA could make such a mistake. 

XX/XX/XXXX - I apply for an apartment and I subsequently denied due to the eviction found by XXXX   tenant screening services. 

XX/XX/XXXX - I filed a dispute which included the attached documents. 

XX/XX/XXXX - I still have not heard about the dispute from XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a PayPal 2 % Cashback Card with Synchrony Bank. It was subject to fraud over two weeks ago. I was sent a text stating my card had suspicious activity and that I should call the bank. I call the bank and speak with a helpful person who deactivates my card and tells me a new card is on its way. A week goes by and I am surprised to not receive my card. I go to the website to login to make sure my account is still safe, and it turns out my online access has been deactivated -- which I was never informed of. I call the bank and they inform me that not only was card deleted, but my access to my account ( my outstanding balance, my activity monitoring, etc. ) is no longer something I can access until I get my new card and set up my account again.

So, I ask " Where is this card? '' They sent it snail mail and it can take up to 10 days to get to me. So, I get annoyed that they would take over a week to get me back on my feet after fraud and request that they overnight the card to me. They agree after putting me on hold forever. The card does not come the next day ( Friday ). So I hope that I will see it Monday. Meanwhile, the snail mail card arrives in the mail on Saturday. So, I try to activate that. It's dead because I requested the replacement. This makes sense, so I wait for Monday. No card.

I call again -- they have no record of where they sent the card. No address is included with the shipping information -- even though I gave it to them twice. I ask for them to ship it again and give me the tracking number -- they then put on my hold for 30 minutes and I had to hang up. It's been over two weeks and I still do not have a replacement card.

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 2018-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Liberty Holdings, LLC
State: TX

Complaint narrative:
I had a call from a XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX. That they were sending court order papers if I didnt pay. They called my daughter, employer and other family members. I called back XXXX was rude and I then asked when are you apparently filing what you say, she could never tell me. I called back she hung up on me. I called again and XXXX answered. XXXX said we will be filing, I said ok I'm trying to find out for what and tell me when. She could never tell me either. She said welcome to the real world. I said thank you, yes welcome to the real world. I do not appreciate their phone call to everyone especially my employer. The number they called from was XXXX and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XX/XX/XXXX I applied for a home loan but was denied. The reason for the denial was an open but delinquent Navient student loan account. I contacted Navient to find out more about this student loan because I was unaware of it, all my other student loans are in good standing. A litigator at Navient explained to me that in XX/XX/XXXX the cosigner on this student loan filed for bankruptcy and lumped in this Navient student loan account. Eventually it was discharged in XX/XX/XXXX and the account remained in limbo for several years. I asked to have the account closed and removed from my credit report because I was unaware of this account and didnt have a chance to avoid delinquency. The litigator explained that, after much back and forth, the only option was to have the interest removed during the time the account was in limbo. I did not agree with this result and still requested to have this student loan account closed and removed my credit report. 
While waiting on a response from Navient I received a collections letter from XXXX XXXX, dated XX/XX/XXXX, ( letter attached ) this company explained that they were attempting to collect a debt on behalf of Navient but is willing to accept a settlement of {$19000.00} I responded, in writing, letting them know that I dispute the validity of this claim and would like information from the original creditor. While waiting for a response from that collections company I received another letter. This letter was from XXXX XXXX dated XX/XX/XXXX ( letter attached ) this company also said that they are attempting to collect a debt on behalf of Navient, however they were willing to accept a settlement in the amount of {$7100.00} I responded in writing letting them know that I dispute the validity of this debt and would like information from the original creditor. As of today, XX/XX/XXXX I have received no response from either XXXX XXXX or XXXX XXXX. 
Two separate companies have attempted to collect a debt on behalf of Navient. Both are requesting different settlement amounts and neither have provided information from the original creditor to support their claim.

Company response to consumer: Closed with explanation