vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/18, I wanted to check my FREE credit bureau credit report from TransUnion. In doing so, the first message was " error, information could not be processed or received, '' which had then led me to a sign up page. Without my knowledge, I signed up in order to view my credit score, only to find out that on my credit card, it had charged my credit card {$19.00}. This was unknowing and thus, has led me to make this dispute. The error caused my curious self to be out of {$20.00}, leaving me to be quite angry at the situation.

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 2018-04-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
About four months ago i discovered that i have been a victim of identity theft. At that time i had filed an identity theft report through www.identhithytheft.gov and reported my finding to all three major credit reporting agencies ( equifax, XXXX and XXXX XXXX ). all the account that was reported on my credit report that was opened up by the identity theft person was removed from XXXX XXXX and XXXX. but in the other hands equifax has not done nothing to my dispute letters and my rights as a consumer and all it states in my credit report ( consumer disputes - re investigation in progress ). this has been gone for four months and they have not done nothing to protect my rights.and that is the reason i am here now to get help resolve my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
This is not my debt. I never received any Communication about any debt. I spoke with the company they would provide proof of the debt.

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 2018-04-07 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: AES/PHEAA
State: IL

Complaint narrative:
I have direct loan payments set up on my account and it has been working for the last three years without an issue. I am currently attending a XXXX XXXX and I I elected to continue paying my loans despite being in school. However, after a few months of being in school, my monthly direct deposit was no longer being processed. I received no notification of this and my interest then increased significantly on my direct unsubsidized XXXX XXXX Now I am being forced to pay off the accrued interest, not the principal balance due to their error. 

On XX/XX/2018 I wrote to them about this issue and I have yet to receive an answer from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This debt is not mines. I spoke with the company would not provide proof of this is my debt.

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 2018-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I have a old credit card dept with XXXX XXXX.The account was closed and changed off in XXXX, and up for collection for a amount of {$2200.00} from XXXX XXXX.A collection is telling me that the account was open for collection in XX/XX/XXXX.cavalry portfolio svcs.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX # XXXX.I looked at my report many years ago and this was already up for collection.How this are they moving there statue of limitations up on me illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I mailed a certified letter, return receipt requested to Wakefield and Associates disputing my debts and informed them in the letter to only contact me by mail. On XX/XX/XXXX a XXXX XXXX signed for the letter at Wakefield and Associates. XX/XX/XXXX XXXX from Wakefield and Associates called me and left a voicemail message stating who he was and this was an attempt to collect a debt and to return his phone call.

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 2018-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
To sum up..had 2 credit cards, cancelled 1 last month after I paid in full ... they rebilled an additional amount told for interest, even though balance for payoff was requested before paying in full. I paid additional fees and returned card and closed acct. Now since paying off my last credit card with them..I showed a XXXX balance one day..and next day checked said balance due {$10.00}. I called and was told that it was lingering interest on account..I asked how they could charge interest on a XXXX balance, was then told it was an accumulation of interest from past ... I told them that it should have been included as final payment was requested before paying off. Company rep. hung up on me. They say conversations recorded, I hope so. Rep name was XXXX. Supervisor from last card dispute was XXXX. They hate when you pay off card, now questioning all interest during time as customer. I have every statement from start to close. I will forward all documents to authorities as requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have been contacting this company for almost 2 years and informing them that I do not owe for this debt. I went to the emergency room due to XXXX XXXX but due to an extended wait time I left the emergency room and was never seen by any physician. 

The company agreed by phone to remove the debt several times but has failed to do so, in fact the company has posted this debt under my credit file! 

I need this matter addressed with CFPB because attempts to rectify it on my own have been unsuccessful. 

Please advise!

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 2018-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: MI

Complaint narrative:
I tried to transfer money to myself and my brother while visiting overseas. Xoom kept cancelling. I called Xoom multiple times as instructed in their cancellation emails. I even provided them my copy of US passport and my bank statement. Xoom said that you have fulfilled our requirements but we still can't help you.

I tried again last night and still same issue. When I called them this morning the Xoom representative could not give me a satisfactory answer. I asked them to escalate it to someone who can either resolve or give me a valid reason. I am still waiting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
On Saturday XX/XX/XXXX, our ATM information was used illegally at an ATM for {$500.00} plus ATM fees. The card was and is in our possession and I am the only card holder or account user. 
My card was skimmed by thieves at an Arvest location as its the only place I use my pin. 
Arvest called me Saturday to report the crime right after it happened. They notified me it was fraud. They knew it was fraud. However, they didnt cancel the transaction, give temporary funds, or fix the issues after 10 business days or 14 actual days. Still no funds, temporary credit, or a statement why they are keeping our money. The terms state after 10 days they can only keep {$50.00} and must credit us for the rest of the amount. 
Even though Arvest informed us it was fraud the second after it happened we had to file a dispute on the first business day Arvest was open. We did. We requested temporary credit. They refused  and told us to get in line. 
Now 10 business days have passed and they refuse to return our money. Our mortgage payment was due with Arvest on XX/XX/XXXX and we can not pay until they return our money. Weve called 4 times to resolve this but they only care about their customers. 
In addition ATM usage fees were charged by Arvest to us for a thief using a non Arvest ATM. They still refuse to refund those as well even though that is 100 % under their control

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 2018-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have had a PNC HELOC line of credit and loan since XX/XX/XXXX. Per the terms of the loan, payments are automatically withdrawn from my PNC checking account monthly around the XX/XX/XXXX of each month. Per the terms of my loan, the automatic payment withdrawal program entitles me to a .25 % interest rate reduction. However, since XX/XX/XXXX, PNC has been intentionally misapplying my additional principal payments and not automatically withdrawing my normal monthly payments in order to benefit themselves with more interest and prevent me from paying down the loan faster. Their failure to correct the problem since XX/XX/XXXX ( despite numerous phone calls and online disputes of payments ) has resulted in me paying additional interest that otherwise would not have occurred had they correctly applied the payments or corrected the problem in a timely manner.

As you can see from the attached statements, on XX/XX/XXXX, I made an additional principal payment of {$500.00} that was initially applied to principal, then reversed to be applied as a normal payment ( principal and interest ). This caused the normal XX/XX/XXXX payment to not be automatically withdrawn and I had to make the payment manually on XX/XX/XXXX which was again applied as a normal payment ( principle and interest ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have a credit card account with Bank of America and paid the balance in full according to their website {$2900.00} on the due date of XX/XX/18. I wanted to pay the balance in full and close the card. I went to check today to ensure it was a XXXX balance before I called to close the card and it's now showing I have to pay an interest charge of {$49.00}. Of course there is no way to contact their credit card customer service online you can only call their XXXX number. I called waited on the line for 15 min to speak with someone who then told me that this interest charge was interest from the date the statement cut until I made the payment. However, I disagree and thing this is misleading as when I made my payment on their website I paid the balance in full as they had shown. Also it even states on the website under my interest charge the following 'If your credit card is used for retail purchases only, has a grace period and is paid in full each month by the payment due date, then you will avoid paying interest on those purchases. If you pay less than the full balance, pay after the payment due date, or if your credit card does not have a grace period, then you will pay interest on those purchases. ' I paid the balance in full! If that's not the case then this is completely misleading. I made the {$49.00} payment just to ensure I won't keep getting charges. I ultimately want a refund for this payment and to close the account. The customer service rep stated there was nothing that can be done which is why I'm filing a complaint. Their website is misleading and I paid the balance in full as shown so as such should not have been charged additional interest.

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 2018-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Hi. I will start from the beginning. On XX/XX/XXXX I made a purchase for {$400.00} XXXX ETH with my credit card from Coinbase. On XX/XX/XXXX I got an email from Coinbase about duplicate charges on accounts. I was also charged twice. In the email Coinbase said that the error was not caused by them and I should contact the card holder which is XXXX. I did that and I contacted XXXX. XXXX gave me a provisional credit for {$400.00}. I've attached a pic at the bottom of this email. Everything was good but then on XX/XX/XXXX I got an email from Coinbase that said my purchase of {$400.00} ETH XXXX was being reversed. On XX/XX/XXXX I checked my Coinbase account and it said {$400.00} ETH   XXXX and a fee of {$15.00} was sent to Coinbase. So apparently Coinbase took back {$400.00} worth of ETH but because of market fluctuations its more ETH because it is now valued less. That transaction was not supposed to be reversed because XXXX was only reversing the amount I was overcharged to begin with. So I don't know why Coinbase went into my account and took that back. so now I'm owed {$400.00} ETH XXXX as well as the fee of {$15.00} from Coinbase. Ive been trying ever possible way to get in contact with Coinbase to fix the issue but they are not responding. They took my money and will not offer any support to give it back. This is stealing and should be illegal. I only did what Coinbase instructed me to do which is contact my card holder. Ive saved all the supporting emails. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I asked who and why they are calling my XXXX XXXX XXXX mother 's phone number all day and night. They also call my cell phone number all day and night. Sometimes the numbers are private numbers. I've told them to stop calling twice now. I've asked them why they are repeatedly calling us. 

I received a " XXXX XXXX '' for animals a few months ago. I made one payment, and have been harassed by them ever since.

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 2018-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
There are a couple of issues with this loan : 1. The car is a lemon. They sold this car to me XX/XX/XXXX for over $ 14k. Trade in value for this vehicle on XX/XX/XXXX is $ XXXX. I have tried to trade this vehicle in and even refinance it to get a lower interest rate several times and it is impossible to get anyone to even look at it. I still owe almost $ 12k on this vehicle over 3 years after purchasing this car. 

2. I do not believe that payments are properly being applied to interest and principal. I do not see where my down payment was even applied to principal when I first took out the car in XX/XX/XXXX. This payment was reversed out of their system and it appears that I was paying monthly payments as a down payment in XX/XX/XXXX.

3. I got behind on making payments in XX/XX/XXXX and had asked several times that Bridgecrest assist me with getting caught up. I was unemployed from XX/XX/XXXX-XX/XX/XXXX and then got a full-time job at the end in XX/XX/XXXX. I asked for their assistance with a forbearance or something that would keep me caught up and they refused to help until finally a call to a rep in XX/XX/XXXX got me caught back up and paying on schedule. I was still making payments throughout XX/XX/XXXX. They reported me late to the credit bureau 6 times in XX/XX/XXXX and I do not believe they should have if forbearance options were available the whole time.

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 2018-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NC

Complaint narrative:
AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX has purchased a debt that I do not own and re-aged it placing false dates on it to make it reportable and collectable if you look at thier BBB history and complaint history as well as ripoff report they are  famous for false reporting have been sued and are known for this. please have them prove to you that this is an accurate collectable debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: AES/PHEAA
State: NY

Complaint narrative:
I have called and sent standing instructions on how to handle my overpayments and how they should be applied. They seem to always apply it incorrectly and then tell me on the phone they have to submit a request to get it sorted out. This is causing additional interest as the overpayments should be applied to the highest interest outstanding principal. Instead it is being applied evenly to the remaining loans. It seems like I have to call every billing cycle to get it fixed. Most recently my XX/XX/XXXX and XX/XX/XXXX payments were not applied as stated in my standing instructions that were sent and approved XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: PA

Complaint narrative:
I am writing to you as a concerned parent and consumer. I have first hand awareness of Navient 's predatory loans. I co-signed loans for my XXXX daughters and can not get released from their loans.They keep resetting them to start over.When I took these loans, Navient/Sallie Mae encouraged me to co-sign. They said they would not get approved without my co-signature. I do believe my signature is my word, but these children are in their late XXXX XXXX. As for XXXX XXXX University, my daughter left the school after 4 1/2 years without a degree. They never guided her to finish on time or to meet her requirements. Schools have a responsibility to their students to guide them so they finish on time.As for Navient, I pay over {$800.00} a month and it is all interest. I paid {$8700.00} in the last two years and the loans continue to increase. For the Plus loans, I originally took out {$57000.00} and I owe {$61000.00}, and I've been paying for 5 yrs. It is criminal. They are helping themselves instead of the borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
Explained to company going through divorce and did not have enough money to pay remaing XXXX dollars and asked if company could pick up vehicle XX/XX/2018 instead company has repeatedly called my employer when asked to stop because my job uses phones and can not have lines tied up all day with creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07 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: OK

Complaint narrative:
I have asked for them to investigate account from XXXX XXXX XXXX, they continue to report inaccurate information. 
I have asked them to send me the information they received that was used to verify the account they refuse. i requested for any documents that bears my signature, they refused, i have asked for them to re - investigate. they notified me that the will not re-investigate. So they are still reporting inaccurate info. on my report in 1681i which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.

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