vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-22 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover card has been harassing me multiple times every day and night, early and late, 24/7 insisting I call back. They call on both my cell phone and landline. I have never provided my private landline number to Discover and this is an invasion of my privacy. When I block one of their XXXX numbers, they switch to another XXXX number and continue calling repeatedly. 
I called back today XX/XX/18 and was informed that I could take advantage of some sort of automatic debit program if I was late making payments. As far as I know, I have not been late in making a payment. The calls are harassing. 
In addition, Discover repeatedly contacted me to transfer a balance from another credit account and when I did, Discover reduced my credit limit for absolutely no reason. 
These are misrepresentations, harassment and the Discover company needs to be reined into proper business practices. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Biehl & Biehl, Inc
State: CA

Complaint narrative:
We are a music company and have a music convention at the XXXX XXXX every year where members and the guest fly in from all over the world to attend. Sometimes these guest have items shipped directly to the hotel. 

On XX/XX/XXXX, I received a phone call from XXXX XXXX at Biehl & Biehl , Inc. collection agency stating there was a {$95.00} balance due from XX/XX/XXXX for a redelivery charge. I asked him to email me the bill since we always pay our bills on time. 

After reviewing the bill and contacting the company who shipped the item, it was confirmed that this was not our account. I have repeatedly stated this to XXXX who becomes more aggressive in his calls and emails and keeps telling people on staff who answers the phone that we owe them money, which we do not. We have never ordered from XXXX XXXX and XXXX XXXX keeps harassing us over an account that is not ours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: NY

Complaint narrative:
I am writing in an effort to get my mortgage servicer, and by extention, my PMI provider, to automatically cancel my monthly mortgage insurance premiums. I have been in touch with AFR-American Financial Resources on many occasions over the past several months. Initially to request that my PMI be cancelled once my LTV reached 80 % and then, because they were making my life so difficult, I decided to wait until it would be automatically terminated. Or so I thought. My understanding is that, as long as my account is current, and my payment history has been clean, and my Loan to Value ( LTV ) breaches 78 %, the PMI is required to be terminated immediately. I called at the point that it reached 78 % and was told many reasons why it was not applicable. One representative told me that I had not reached the chronological midpoint of my amortization schedule, and that until that happened I would not have the PMI automatically cancelled. Another told me that they received some indication that the value of my home had decreased in value from the point I had taken the mortgage, and for that reason I would not be able to cancel or terminate the PMI. My understanding of the Federal Law is that once I breach 78 % LTV ( it is now 75 % ) they are obligated to terminate immediately. I do not believe either of those reasons are relevant in this case. Those are items that come into play if I am requesting that my PMI be cancelled ( at LTV 80 % ) My fear is that this is not an isolated incident, and that many other folks are having the same experience, perhaps less able to pay this unfair and added charge, Even if it turns out to be 1, 2, or 3 additional payments past the 78 % LTV mark, if you consider the number of potentially affected mortgages, we could be talking about tens of millions of dollars in unwarranted payments. Thus the size of this potential windfall might be a motivating factor in delaying the required termination process, which of course sets up the possibility of a class action offense. There is much more detail that I could provide, and several unkept promises from the service desk during this unending process, but the information mentioned above are the key facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
{$800.00} worth of items purchased with my Chase credit card was stolen off my real property by an unscrupulous contractor. I contacted the police and filed a police report and tried to file a claim under my credit card 'Purchase Protection ' but have been given the run-around by Chase . I was on the phone with their representatives for almost 90 minutes on XX/XX/2018, and after being transferred from department ( XXXX to XXXX ) to department ( XXXX to XXXX ) to department, ( XXXX to XXXX ) I  was told to file the claim online and the call was disconnected. When I attempted to file the claim online I kept getting an error message saying that there is a problem and I should contact the XXXX number to file the claim. I called the XXXX number to file the claim and was told to go online to file the claim. 

I have written Chase on numerous occasions about this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Ally financial has hard inquiries posting for no reason.

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 2018-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX - First, you get a recording from phone number XXXX telling you to call the number above about a debt. I have called the number and they ask for a lady named XXXX. My name is XXXX and this is obviously the wrong number. I have called them times to ask them to stop but the calls keep on coming. 

PLEASE HELP AND MAKE IT STOP! 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
The company was having issues with their system so all payments had to be mailed in and they said that they would not count any payments as late because of their system issues. There is now a late payment on my report and its stopping me from buying a home. This is not fair and is in violation of my rights as a consumer. I did what they said and this is not fair that they did not keep their word.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have contacted Equifax several times via phone and online on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from or gave consent to. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION
State: AL

Complaint narrative:
I HAVE SENT MULTIPLE OF LETTERS ASKING XXXX XXXX FOR VALIDATION OF THIS DEBT THEY SAY I OWE THEM. I WENT TO THE SECRETARY OF STATE WEBSITE AND COMPLETED A UCC INFORMATION REQUEST AND I DO NOT HAVE A LIEN ON MY NAME FROM THIS COMPANY. XXXX XXXX company have been unable to show evidence of the alleged claims. In order for a claim to be valid there must be a contract in place to show there was an offer made, mutual acceptance, terms and conditions, consideration and 2 wet ink signatures signed by both parties. If there was proof of any debt, according to the rules and regulations of the state, there should be a public record on file with the secretary of state. I have attached the validation letters sent to their company.

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 2018-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Home Depot closed my credit card in XX/XX/XXXX due to inactivity. I did not receive any notification of this closing. I contacted Home Depot to reactivate my card and now they are unable to do so. I feel this is very unfair as I have no late payments or negative history with them. Please make sure you keep you card active or they will just close you down and offer no further solutions.

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 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The company was having issues with their system so all payments had to be mailed in and they said that they would not count any payments as late because of their system issues. There is now a late payment on my report and its stopping me from buying a home. This is not fair and is in violation of my rights as a consumer. I did what they said and this is not fair that they did not keep their word.

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 2018-05-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The company was having issues with their system so all payments had to be mailed in and they said that they would not count any payments as late because of their system issues. There is now a late payment on my report and its stopping me from buying a home. This is not fair and is in violation of my rights as a consumer. I did what they said and this is not fair that they did not keep their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The company was having issues with their system so all payments had to be mailed in and they said that they would not count any payments as late because of their system issues. There is now a late payment on my report and its stopping me from buying a home. This is not fair and is in violation of my rights as a consumer. I did what they said and this is not fair that they did not keep their word.

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 2018-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a victim of identity theft by a family member, who is now dead. I have written several letters to Citibank about this matter. They refuse to believe me. They hired a debt collector to come after me, and I sent THEM the information, and they sent a letter saying they did not know that I had disputed the debt, and they did not pursue me further. I wrote ANOTHER letter to Citibank with supporting documentation. I sold jewelry, and made an offer of settlement though I DO NOT owe them any money, but I just want this over. They did not respond to my offer, they just sent another letter, from XXXX XXXX of the Executive Response Unit, and she said they will no longer respond to me in any way, and they have hired ANOTHER debt collector to come after me -- Northland. I have not yet heard from them directly. I suppose that they will keep hiring collectors, or even sue me. This letter even referenced a second card number, that I never had. I am in poor health and the stress has caused several XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I opened a paypal credit account in XX/XX/XXXX. The purchases were deferred for interest. The minimum amount due was always paid on time. For several months, I did not receive a bill. I spoke with Paypal ( XXXX ) in XX/XX/XXXX to inquire about my statement. She promised to mail me my statements. I never received them and later found out from paypal that she did not mail them as promised. I spoke with XXXX, Agent ID XXXX on XX/XX/XXXX. She explained how to view statements online. She transferred me to XXXX, Agent ID XXXX who then settled the account for {$1600.00}. He said he would waive the interest accrued and late fees since I did not receive my statements. I agreed to this and gave him bank information to take a payment. They debited my bank account on XX/XX/XXXX for {$1600.00}. On XX/XX/XXXX, I noticed online a balance for {$350.00}. Paypal is now saying they did not agree to waive the late fees and incorrect interest accrued and that they don't have any notes from the representatives that I spoke to. They also said they do not have any records on the representative who took my payment of {$1600.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
The account representatives at Navient ( formerly Sallie Mae ) have provided me with false information regarding the terms of my private student loans. They stated that the loans have entered the repayment period as I have supposedly reached a limit for in-school deferment. I informed the customer account representative that I am currently in school, full-time at an eligible university ( who provided the necessary enrollment verification documents to Navient ), and he responded that there is no way I could still be in school full-time after this many years. His response was not only offensive, but inaccurate, as I am currently enrolled in year 4 of a 6-year XXXX program ( + 4 years of XXXX education and 2 years of graduate training for my XXXX XXXX ). 

I have thoroughly reviewed the promissory notes for these loans and there is no mention of a maximum number of years in which a borrower is eligible for in-school deferment, and in fact, had the deferment been automatically granted ( as the promissory notes state it should have been given my continuous full-time enrollment ), then this loan should not have gone into repayment at this time. Furthermore, the account representative I spoke to most recently strong-armed me into committing to making monthly payments in order to avoid defaulting on this loan ( which was in fact, not eligible for default per the promissory note ). As a result, I have unduly suffered late fees, additional costs and interest, and damage to my credit score. I sent this information to the customer advocacy department at Navient and they responded stating that they only allow 48 months in-school deferment time. This information is not listed in the promissory note or any agreement that I signed or received. Furthermore, the loans they are referring to were disbursed in XX/XX/XXXX and XX/XX/XXXX ( far more than 48 months ago ), yet this is the first I am hearing of this 48 month limit. 

Their actions have violated the federal Fair Debt Collection Practices Act in numerous ways. They have continued to call me ( on my cell phone and at my graduate student office at school ) and my co-signer 6-7 times a day, every single day. They have threatened me with garnishing my wages and with litigation ( even though the statute of limitations has expired on these loans and it is against the law to threaten litigation on time-barred debt ). They have also provided false information about the legal status of my loan ( stating that it was going to default at XXXX that very day if I did not make an immediate payment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have contacted XXXX several times via phone and online on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from or gave consent to. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have contacted XXXX several times via phone and online on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from or gave consent to. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I purchased bitcoin for {$260.00} from Coinbase.com.  At the time of the purchase I was told that I could use the bitcoin anywhere, anytime, without doing anything except signing up and depositing funds to my online account, XXXX. I originally found out about Coinbase.com in XX/XX/XXXX thru their internet ad that claimed to be the world 's most popular way to buy and sell bitcoin. However, I found out they had nothing but customer complaints and a XXXX rating of " F ''. I attempted on XX/XX/XXXX to send the bitcoin and they locked my account and told me that I had to send them more id and additional time consuming and very difficult online verification, none of which Coinbase.com explained to me at the time I purchased the {$260.00} in bitcoin from them. I contacted Coinbase.com on XX/XX/XXXX, thru XX/XX/XXXX and discussed my difficulty and inability to use the bitcoin as promised with XXXX, XXXX, XXXX, XXXX and XXXX and asked for a refund in the amount of {$260.00} but I was told by XXXX in coinbase support that I had to wait until XX/XX/XXXX and also send them additional information and did not receive my requested refund or any part of it at all. On XX/XX/XXXX I still was blocked from sending funds and closing my account. 
I want the XXXX XXXX XXXX to investigate Coinbase.com and to file a lawsuit against Coinbase.com to prevent them from selling this bitcoin without clearly explaining in advance all the extra steps people need to take to use it and without making it very difficult and/or impossible to use. I also want the CFPB to sue coinbase.com to obtain penalties and refunds for me and many others whom I believe were misled that the bitcoin could be easily used for purchases. Thank you.

Company response to consumer: Closed with explanation