vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent many letters to try to get this account removed from my name many times it has been 2 months going on 3 months and yet has the Credit Department been complying with the law. They know that if i ask for proof of account collection being mine they must show me proof to collect the debt. They have failed to do so and i have try to work with them on providing me the proof.

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 2017-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
Took out a loan in XXXX 2016. Loan # XXXX was due in XXXX 2016. I called for an extension and was granted it. I missed the extension payment due date. My file went to the collections department and incurred additional fees. I have no problem was this as this was my fault. Issue - this loan was settled with all additional fees, interest accrued, etc. on XXXX XXXX, 2016 for  {$280.00}. I was told it would be updated as paid and closed. Never was. Called the next month and was transferred around. Left several messages for this department. Left the issue alone then circled back towards the end of the year in both XX/XX/XXXX and XX/XX/XXXX. Called and initiated a fix for this in XX/XX/XXXX. Again got a run around. Of course it is now over a year later and it still shows as never paid. I have  emailed the organization with proof of payment to only receive an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I provided business coaching services to XXXX XXXX in which this customer paid me via PayPal {$140.00} for 2 1 hour sessions of coaching. The first hour was completed. The second had a scheduling conflict due to a death in the family in which I asked my client to rescheduled sent him my calendar to do so. He never responded. On XX/XX/XXXX we had an email conversation about getting him help with a merchant account but not once did he mention rescheduling his session nor a refund. On XX/XX/XXXX he disputed the entire {$140.00} with PayPal claiming that he never received my services and I never responded to any of his messages. PayPal gave me 10 days to respond in which I responded on XX/XX/XXXX both to PayPal and to the customer. The transcript which is also in the notes of the PAypal transaction as recorded by PayPal are attached. On XX/XX/XXXX, PayPal sent me an email claiming that I never responded ( even though they show the notes where I did ) to the claim and that they would rule in the customers favor, deducting {$140.00} from my PayPal account. I later found out that this company XXXX XXXX is a fraudulent company posing as a Credit Repair business and is known for scamming people out of their money. I am distraught that PayPal would stand behind them vs me a loyal merchant who brings in thousands of dollars in customer transactions per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express fraudulently, knowingly after many, many complaints from   XXXX   XXXX   XXXX  . American Express intentionally located an old American Express that was included in a Bankruptcy   XXXX   implying that it has been active since  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
On   XXXX   XXXX  ,2017 I received a letter from US Bank regarding my {$300.00} secured pre paid credit card ending in #   XXXX   that was a requested to be closed down several months prior both verbally and in writing before the balance that the credit card had in secured funds had reached its limit. US Bank is reporting a balance owed of {$160.00} that is over the {$300.00} secured credit card limit and US Bank continues to accrue interest on an account that closure was requested and now derogatory credit is being reported

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 2017-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On 06/2016 PNC MORTGAGE informed us that they purchased our loan from   XXXX   XXXX   XXXX   They sent a letter stating the will be receiving our payments and nothing else about the loan will change. During this transfer our ins was due and we assumed the escrow in our accountwould handle this. However, the ins notified the mortgage co for remittance of payment. They, informed us that there was no response. We assumed that the ins was being paid from our escrow like always. It was n't paid and PNC did not inform us of this until this  XXXX . THey want to charge us {$1900.00} for ins for that time period. I do n't mind paying some ins. But 3 times the amount is horrible. THey purchased the loan. We had nothing to do with that. I feel they should have informed us that the ins expired and they should have paid it from the escrow. IAm   XXXX   years old and can'tafford this. I agree to pay something, but not thus amount. THankyou for your help in this matter   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc.
State: CO

Complaint narrative:
On   XXXX   XXXX   2017 I was notified by the Mortgage Company that Stellar Recovery just popped up on my Credit Report for   XXXX   XXXX  . I stated I was confused as I am a current customer. So contacted original Creditor   XXXX   XXXX   and took them a couple hours to find the account as it was over 2 years old. They found it and stated it was a final bill and told me the amount. I informed that I would pay right now and they took payment successfully. Received confirmation   XXXX   of   XXXX   2017 that it was paid from   XXXX   XXXX    Thank You for Your Payment Receipt. Contacted Stella of which Stella informed to send over the document. I did and I do not know whether they received it or not to this day. I contacted   XXXX   XXXX    to notify them that Stellar has not shown that I paid the bill. On   XXXX   XXXX   XXXX   I walked into   XXXX   XXXX   office and they printed off a Statement Balance Sheet of which I again sent email  XXXX  and they still did not get it. I once again reached out to   XXXX   XXXX   and they again confirmed the Account is paid and again stated they sent it to Stellar Recovery. Contacted Stellar Recovery   XXXX   XXXX   XXXX   2017 and they still had not received anything more over they refused to do anything about it. Very VERY Rude. So once again back to   XXXX   XXXX   of which was stated to me that they were sending a Cease and Assist Letter stating the Account is   XXXX   Balance and to remove me off their system by   XXXX     XXXX   XXXX   XXXX   2017. Contacted Stellar Recovery around  XXXX  and they stated they do n't have anything and they are not sending any letter even after a conference call   XXXX   XXXX  , myself, Stellar including the Store Manager for   XXXX   XXXX   as I was in their office again on speaker phone stating to Stellar Recovery that the Acct. was paid. And they are still refusing all forms of confirmation of payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase " disabled '' my account on  XX/XX/XXXX . I was given no reason why. I was asked to provide proof of my identiy and address. I immediately uploaded a picture of my NYS issued ID and also uploaded photos of my credit card statement, health ins info to further prove my identity and address. I have received no explanation as to why my account is disabled.
Coinbase had no issue allowing me to buy   XXXX   worth of cryptocurrency but now I have no access to MY money.
My coinbase account is linked to my bank account and my  XXXX  account ( which has links to ALL of my banking information ). I am now unable to hold any money in any of my banks because I have no idea if someone else has control of my coinbase account.
It has been almost 2 weeks with ZERO answers/resolution. The only communication from coinbase has been letting me know that my case is being escalated and IF my issue is resolved they will email me.??? Coinbase will email IF my account is cleared. IF? Coinbase is holding  XXXX  worth of purchased ethereum and litecoins. How can they tell me they will email IF they " clear account. '' I fear they have locked my account and stolen my money and banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I completed a balance transfer from   XXXX   XXXX   to Barclays when the payment was sent to Barclays the funds were applied to another account, after sending in a copy of the cancelled check both front and back and multiple calls to the credit card company this issue is yet to be resolved

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 2017-08-01 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
My vehicle was repossed at 17 days with out notice. When I finally located my car I called with confirmation of payment and I was informed there system was down because the system was down I could no retrieve my car. I had to wait until Monday there system was working I had to pay more storage fees and drive over two hours away to pick up the car from an auction lot. The finance company refused to work with me on removing the reposition from my credit as a sign of good faith since I have been making my payments on time and also there was the issue with the computer system please is there anything that could be done I 'm trying to rebuild my credit and this is causing a lot of problems for me.

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 2017-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I received a debt collection letter from   XXXX   XXXX   XXXX    XXXX   XXXX   on behalf of Barclays Bank Delaware. The amount is {$3100.00} and their account #  XXXX . They also filed a lawsuit against me ( case #  XXXX  ) I called the Law Firm and I spoke in the to   XXXX   XXXX   I informed her that I 've never done business with this bank. I was asked for my last 4 digits of my SSN.   XXXX   XXXX   XXXX   told me that that my SSN in the account does n't match the last four of my SSN.
At that point I tough that the it was the end of it but that did n't happen. They keep sending letter and sending collector to my house.
I need this to stop.
I sent them copy of the   XXXX   major credit reporting agencies with (  XXXX ,   XXXX   XXXX  ,  XXXX  ) that shows that I have no outstanding, late payment or collection in my credit report. I sent a copy of my  XXXX , A copy of my military service connect   XXXX    payment so they can corroborated the last 4 of my SSN.
I also told them that to perform my duties at my job I needed a security clearance and my last SC was Finnish in  XXXX /2016 flying colors. All this info and they still coming after me for something I do n't owe.

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 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
XXXX  attempted to process tge repurchase of my loan which they sent to Navient as a default accidently. Navient refuses to process this even being made aware that an error occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Equitable Acceptance Corp
State: GA

Complaint narrative:
I am called multiple times a day by different people in the office about my debt with them. I know I have this bebt but I am unemployed a d have been since   XXXX   XXXX  ,2017 and I have told them that several time. Their response is I 'm sorry that your not working but this debt has to be paid and until your account is current well will continue to call every 3 days or we will charge this account off as non-payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL

Complaint narrative:
In  XX/XX/XXXX  I took out a credit card at   XXXX   XXXX   with tidewater finance company, not long after I lost my job and had   XXXX   XXXX    making the payments, I was in contact with someone regarding that and let her know I would take care of it. On  XX/XX/XXXX  I called to pay off the entire balance I owed. I was told ( by an automated machine I believe ) that total amount I owed was  XXXX  so that 's what I paid. I immidiatley received a bill for 40 something dollars, I contacted the phone number with no answer after waiting FOREVER ( over 30 min ) then decided to email the lady I had been in contact with, she simply responded with my new balance ( now in the 90 's ) and said to contact them when ready to pay it off. I told her I did n't understand where he charges came from and how I owed more money she said this is what i owed and if I know a name, time and date of someone I spoke with she would look into that. Next I started receiving emails saying this was a supervisor trying to resolve my account, I would let them know what happened and no response. Eventually I started forwarding them emails I had already sent in reply.
ALSO every single day and sometimes multiple times they call me ... but never a live person just a call us back recording, and if I called back I NEVER received a human on the phone to be able to dispute these charges which now are up to   XXXX   and I have n't even used it!!!
I 'd like to be able to speak with someone and dispute these charges and get it wiped from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To whom it may concern, Per your web that any account more than 2 years old based on the time since last delinquency, you stop reporting to the Credit Bureaus. The account you have claim I owe {$670.00} and last delinquency reported   XXXX   XXXX  , 2014, yet you still are reporting it. I have disputed this with you on multiple occasions and to provide me a signature of proof that this is indeed my account. Your company did not reply in a timely manner to both letters I sent and which you signed for. By not replying in a timely manner to my initial letter you signed you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened account and Chase decided to close it a month later. I asked them to refund the annual fee since I was unable to use account due to their decision to close it a month after I opened it and not getting the years service they charged me to and they refused. Want account closed zeroed out all purchases have been paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
This complaint is on behalf of my partner -- - as he does n't speak English. On   XXXX   XXXX   2017, my boyfriend applied for a loan with Prosper to pay off his debts. On Friday,  XX/XX/XXXX , my boyfriend and I contacted Prosper as he had additional questions. To my disbelief, the Prosper Rep stated that they have no Bilingual (   XXXX   ) customer service individuals, i then stated that I would be able to translate since my boyfriend was next to me, but they were not able to assist due to confidentiality which is understandable but my boyfriend approved for them to speak to me, however, they were not able to answer our questions.
On Monday,  XX/XX/XXXX  he received a call from Prosper and he was able to answer those questions he did n't have trouble with understanding, but my boyfriend mentioned to me that he had difficulty understanding. I called on his behalf and I asked again if they had a Bilingual (  XXXX  ) and again, the rep stated they had no one. My boyfriend received an email from Prosper to login to their page to view the status of the loan, but we were unable to because the account was closed.
In conclusion ; as of now, we still do n't know why the loan was denied and it has been impossible to find out.
My boyfriend feels discriminated against, as we found it difficult to get assistance for a   XXXX   Speaking Consumer. We needed to get answers, therefore, it 's unprofessional and unethical not to receive proper information especially when applying for a loan.
I also believe that the company is either refusing to have any of their associates speak   XXXX   or they do not hire Bilinguals/ XXXX  at all. I find this extremely worrisome and improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
This involves a fraudulently opened   XXXX   XXXX   XXXX   card that I thought I had previously removed from my credit report. When I was in the process of applying for a mortgage, I learned of a delinquent "  XXXX  '' account on my credit report. Upon researching the account, I learned this was a   XXXX   XXXX   XXXX   account someone in Georgia had fraudulently opened in  XX/XX/XXXX  using my identity. In early  XX/XX/XXXX , I filed an identity theft report with the FTC, a police report with my local police department, I called and spoke with  XXXX  's customer service, I filed disputes with all  XXXX  Consumer Reporting Agencies, and I placed a fraud alert on my credit report. To their credit,   XXXX   and   XXXX   removed the item from my credit report. Today, on  XX/XX/XXXX , I learned the item still appears on my TransUnion credit report, causing my credit score to be  XXXX + points lower on TransUnion than on the other  XXXX . I called TransUnion and attempted to deal with this issue again. They wanted me to go through the entire dispute process again, sending the police report and FTC report again. I understand that the agent was following company policy, but the redundancy and frustration of having to go through this again is painful and inconvenient.
I am uncertain as to whether TransUnion never deleted this item after the  XXXX  dispute process, or whether  XXXX  attempted to re-report this account. Either way, I am now frustrated by having to deal with this again. If this does not remedy this situation, I will pursue legal action under the FCRA.

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 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Performant Financial Corporation
State: MD

Complaint narrative:
XXXX  attempted to process tge repurchase of my loan which they sent to  XXXX  as a default accidently.   XXXX   refuses to process this even being made aware that an error occured.

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