vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank Voice MasterCard XXXX XXXX deception. 
We have a Voice MasterCard issued by Huntington Bank and at the time we signed up for the card we were told it covered any rental car damage not covered by our insurance. We had a minor accident with a rental car charged on our Huntington Voice MasterCard. The total damage was {$360.00} and {$110.00} was paid by our insurance company, leaving a {$250.00} deductible charge that should been covered by our Huntington MasterCard.

Our bank Relationship contact told us we were covered and just file a claim. After trying to file the claim it was rejected. We have talked to many people at Huntington including the branch manager and called the manager of the Huntington Voice MasterCard credit card division, none of whom had any knowledge that this card did not cover car rental damage. 
Attached is a copy of the " XXXX XXXX '' given to customers to file claim. On this XXXX XXXX   letter it even specifies to " decline the collision/loss damage waiver offered by the car rental company ''. Attached is a copy of the unpaid {$250.00} deductible bill that I had to pay. 
I am sure that somewhere buried in the vault of Huntington there is a document that says that there is no coverage, but this is clearly a very deceptive and unfair practice and should be put to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have already filed two complaints against Wells Fargo and after the second complaint they actually did assign a single point of contact and initiated a review of my current financial circumstances. As pointed out in my previous complaint, things had changed, my financial situation has improved, I have my daughter and son in law living with me and they are working and contributing to all household bills. I have increased my sales and commissions each year from my XXXX XXXX job and Wells did not have any of this information on record. While this initially seemed like good news, my assigned point of contact at Wells Fargo named XXXX has disappeared on me. I have tried to reach her several times, as has the nonprofit that has been assisting me and there has been no response. XXXX had misplaced or lost my updated financial information on three different occasions over the last month and conveniently enough Wells Fargo scheduled a sale date for next month. Based on Wells Fargo 's track record with customers I believe this to be intentional and a prime example of dual tracking. Wells told me they would allow me the opportunity to be considered for all homeowner assistance programs and after I provided them with the information they requested they lose or misplace it on multiple occasions and at the same time set a sale date. This is concerning, and not the first time this bank has engaged in unethical behavior. They should be investigated by your organization.

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 2018-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I sent an a debt validation to Capital One asking them to validate the debt they are saying I owe they then sent me a letter back asking me for my account number and a various amount of other information basically the information they are asking me for is a way to get me to unknowingly verify the day I feel like they have no signed contract on file for me therefore I am asking that they remove this debt from all three credit bureaus XXXX   XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent Procollect a letter requesting that they validate the debt they claim I owe. I received a letter from Procollect dated XX/XX/XXXX which included a final account statement with another individuals identifying information. They failed to provide any competent evidence. They failed to provide me with an original contract. I do not owe this debt. They must remove this account from ALL 3 credit reports and agree not to sell it.

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 2018-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Netspend Corporation
State: MO

Complaint narrative:
Card issued by Net Spend. My name is XXXX XXXX and my live-in boy friend is XXXX XXXX. We received a check from XXXX XXXX XXXX on a claim from vandalism and theft. We put the money on a Net spend card. The funds have never been available to us. We have called and talked to several different people about withholding our money as we need to replace the items stolen during the break-in of our house. 

They keep telling us it is in the account but hasn't been released. When asked for a release date they say 5-10 business days and it has been over 30 days as the checks were deposited in late XX/XX/. They claim that it should have been ready for release on the XX/XX/XXXX after several more calls asking for the status. It is now the XX/XX/XXXX. still no money and we're talking about close to {$6000.00}. At one point I was told that the funds will be on my card " within 24 hrs just DO NOT TURN IN A COMPLAINT TO THE XXXX  ''. I have read some gross story 's about this company pilfering money or as in our case no money at all. What can be done about this?

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 2018-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: IL

Complaint narrative:
XXXX XXXX XXXX continues to charge bogus charges. I calculate over {$100.00} since the end of last year. I've called/messaged multiple times to attempt to resolve this unsuccessfully. For example, I was charged XXXX instead of XXXX on my XXXX statement. I payed an extra {$50.00} on my account in order to resolve this. I called to make sure this would take care of it and they assured me it had. Lo and behold, they charged another unexplained extra {$30.00} this month. This situation has repeated itself and I have the feeling they are taking advantage of multiple costumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
on XX/XX/XXXX I registered for the promotion from American Express : spend {$5000.00} until XX/XX/XXXX and get XXXX   starpoints extra. 
Points are still not received. Amex has been contacted many times but they did not give any answers.

I want them to post required points and XXXX  points more as a punishment and a compensation for the time spend with communication with AMEX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Klarna AB
State: NJ

Complaint narrative:
XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX 

After reviews on consumer report we decided to try the XXXX XXXX. We investigated the website, the company boasted its 101-night risk free trial, and available financing options. It sounded like a great deal with the addition of two free pillows. So we ordered the mattress through the financing option on XX/XX/XXXX and received mattress, pillows and a tea shirt on XXXX, XXXX. 
After a few weeks it was apparent we were not sleeping very comfortable and called the company. We were informed we had to give the mattress, minimally 30 days. By the 30th day it was obvious this was not the mattress for us. I am XXXX, XXXX lbs. and have been diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX. The mattress was too soft to support my back. 
We initiated the return process and contacted XXXX, we were instructed that the bed needed to be donated with proof by supporting documentation and to return the free pillows. The mattress was donated to a Church run food pantry / Thrift shop and the pillows and t-shirt were shipped back to XXXX, arriving on XX/XX/XXXX. The donation receipt was emailed to XXXX on XX/XX/XXXX. 
Since we had opted for the financing, we contacted Klarna with the information regarding the decision and were informed the information needed to come from XXXX. On XX/XX/XXXX we paid our first payment to Klarna. We contacted XXXX on the XXXX of XXXX inquiring on the state of the return and refund and they informed us a refund would be issued on the XXXX of XXXX. I asked for an email following up on the conversation but never received any communication. We also contacted Klarna with this information, who again said they would need that information from XXXX. 
On XX/XX/XXXX, we received a monthly statement from Klarna citing they did not receive the payment by the due date of XX/XX/XXXX, and please pay by XX/XX/XXXX to avoid any additional late fees. 
Would someone please explain how we are receiving an email issuing a refund from XXXX and receiving a statement with penalties assessed from Klarna. This has been a horrible experience. 
Klarna Account Number XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I signed a contract with XXXX XXXX XXXX on XX/XX/18. I am XXXX yrs old. I was under the impression I was getting a good deal on a car. When I got home my daughter and POA told me I was driving a base model car and over paying for it. I was stuffed into a XXXX car payment for 72 month with outrageous fees for example, one that totaled XXXX alone. I was told I was getting a limited edition vehicle when it was a base model vehicle. My daughter called and spoke to XXXX XXXX about the issue and was told the vehicle couldn't be returned due to the 3 day return Law by the State of GA. I decided to keep the car and get it refinanced. On the XXXX I received texts and calls from the dealership that financing wasn't secured and I needed to bring the car back after I was told I did receive financing and the vehicle couldn't be returned, that I was approved for financing. I talked to a Federal Attorney who informed me I am being what is called YO-YO'ed and I needed to get the Attorney Generals office state involved so I am now informing your office of this dealerships practices and treatment of consumers. The dealership also mentioned I was getting a top of the line vehicle for my money. I have been being harrassed and threatened that I don't own the car, that I didnt receive financing and an approval, told I DID get approved but needed to COMPLETE the transaction? I am confused. When I tried returning the car I was told by the manager XXXX the car can NOT be returned it had been financed I have signed contracts and the 3 day window according to GA State Law had closed, then I was told I could trade out of the vehicle into a XXXX that had been sold after the calls started and after I was told the dealer couldnt SECURE financing all this after I was told the 3 days window had closed to return the vehicle. I dont understand whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Just received notice that as of XX/XX/2018, Hyundai will start to apply a {$3.00} surcharge for payments made on the lease. This fee is waived if I sign up for autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Dear Officer : I am currently American Express credit card use, last month i tried to transfer my AmEx Membership reward into my airline membership account to redeem reward ticket, but it looks like they frozen my account, and says " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria ''. I called them later, but they do told me it will take some times. But i am waiting so long about it, i just use my credit card normally, i do not think i did anything improper. Because they frozen my account, the reward ticket was gone. It really made me annoyed and that is why i asked CFPB for help. Please help deal with issue, it really made inconvenience and annoyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I invested {$200.00} into Bitcoin on Coinbase after I verified my Bank Account and Identity. Was advertised as 2-3 days before I would receive my Bitcoin, ended up being transferred into my Coinbase account on XX/XX/XXXX

During that time before the Bitcoin was credited to my account, I also added a debit/credit card to the account that required additional verification ( Address, SSN, etc. ) After I input that information, Coinbase locked me out of me account. The reason they gave is that I was under-age, except it was a false accusation because I have been of-age since XX/XX/XXXX. 

I tried to contact them multiple times a day, emailing regarding a single support ticket as well as XXXX  to them multiple times a day ( because XXXX is one of the only platforms they seem to semi-respond in ). I ended up stopping my XXXX, noticing that I was getting nowhere, and I just waited. 

My account was locked for almost 3 months, and within the first 2 weeks of the account being locked I had to stressfully watch my bitcoin turn into almost {$400.00}, which I would have turned into a different currency and gotten a few thousand for a car down payment. I took a lot of emotional damage from not having access to that money especially because they wrongfully accused me of being underage and I had to watch the money I invested lose value. 

When my account was finally unlocked, my bitcoin was worth less than the initial {$200.00} I invested, which is basically Coinbase stealing my money. Coinbase has still not responded to my emails, and only unlocked my account. It's been almost 2 weeks since my account was unlocked. I trusted the company to respond to me and to fix the issue, but they never did.

All I want is the {$400.00} worth of Bitcoin that I had. I lost thousands in profit from my account being locked when all of crypto went crazy. All I'm asking for is the {$400.00} worth of Bitcoin I once had. Currently the bitcoin in my account is worth {$190.00} which is STILL below my initial investment of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX attempted to collect a fraudulent debt ( including several other collection agencies ) reported by XXXX XXXXXXXX XXXX to the major creditor reporting agencies in the amount of {$660.00}. 

Under the Fair Debt Collection Practices Act., the collection of said debt on XX/XX/XXXX has been disputed and validation of the debt was requested. 

Although the debt was removed from my credit file after the seven year derogatory reporting period in XX/XX/XXXX ( adversely affecting my credit file ), the fraudulent account remained in collections for an extended two year period. 

The original creditor has refused to negotiate a settlement and all collections agencies involved have yet to verify the debt of record.

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 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I sent a letter requesting debt validation to Meade and Associates, a debt collection company. The original creditor is XXXX XXXX in XXXX, Ohio. I received a response back from Meade and Associates on XX/XX/XXXX with a statement attached to their letter demanding {$3100.00}. I noticed on the statement alleging that there were two columns - one for 'Debits ' and one for 'Credits '. There are items in the debit columns that show money owed to the school. However, on the last page of the statement, it shows on XX/XX/XXXX as the date that the last account activity occurred. Then on XX/XX/XXXX there is an 'account adjustment ' that appears out of the blue in the credits column in the amount of {$3100.00}. This would appear that I am owed the {$3100.00} or that the account was credited in that amount. I have serious reservations as to what this charge is for as it appears on the account, out of the thin air almost 16 months later. This seems like it was more of an 'account adjustment ' to put a little more coin in their pocket. Meade and Associates did not provide adequate validation of a debt and are reporting this debt on my credit files through the major credit bureaus. There is no financially sensible person who is going to pay that amount of money without validation. That is why financial laws, FCRA, and FDCPA exists. That is no different than a bank loaning someone {$20000.00} for a car and 16 months after the customer pays it off, creating some exuberant balance and telling the customer to pay it or it goes on your credit. XXXX XXXX has a history of this and if any research is done via XXXX and keywords ; XXXX XXXX, Payments, and Reviews, one would find a multitude of past and present students who claim to be scammed by this school. 

Furthermore if a debt can not be validated or is erroneous in nature than it is to be removed from the consumers credit files with XXXX, XXXX, and XXXX under [ 15 U.S.C. 1681s-2 ] FCRA Sect. 623 ( a ) ( 1 ) ( A ) ( B ) ( i ) which is stated as such : FCRA Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
We paid this debt to XXXX. We paid XXXX XXXX for account # XXXX, Reference number XXXX, in the amount of {$120.00} Last Year. It might have even been the year before. This company, ERC, keeps sending us letters to collect the debt. I've called them to try to clear it up, but they keep sending me letters. What can be done? We do not owe XXXX Any money at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX attempted to collect a fraudulent debt ( including several other collection agencies ) reported by XXXX XXXX Bank to the major creditor reporting agencies in the amount of {$660.00}. 

Under the Fair Debt Collection Practices Act., the collection of said debt on XX/XX/XXXX has been disputed and validation of the debt was requested. 

Although the debt was removed from my credit file after the seven year derogatory reporting period in XXXX ( adversely affecting my credit file ), the fraudulent account remained in collections for an extended two year period. 

The original creditor has refused to negotiate a settlement and all collections agencies involved have yet to verify the debt of record.

Company response to consumer: Closed with explanation