vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have had an account with Capital One for over a decade. On XX/XX/XXXX, I received notification that because I hadn't used my card in 5 years, my account was restricted ( as of the date of the letter, XXXX XXXX ) - so I no longer had charging privileges and it can not be unrestricted prior to closure or reopened once closed. When I first opened my card, I had been told that my miles would never go away -- even if I reopened an account with Capital One, my rewards points would follow me. This letter from them tells a different story -- they've told me that my rewards points will disappear if they are not used by XX/XX/XXXX. In other words, it is a bait and switch. 

I hadn't been using the card because I was happily able to deal with my purchases without the need for credit. HOWEVER, I had intentionally kept the card open because I had accrued XXXX miles on that card which I wanted to use for a big trip somewhere. I was saving them up! 

The letter of XX/XX/XXXX acknowledged the rewards points and told me I had 3 months from the date of the card to use the points. I looked on their website and found that the way to use the points for miles is to book the travel and then have Capital One reimburse based on the miles accrued. So, I did this. 

Then, I called Capital One at the number given on the letter - the woman I spoke with told me that, as the card was restricted, I couldn't use it for travel ( the one reason I had saved them up ). At best, I could get a check for approximately half their travel value ( {$340.00} dollars ) or I could get gift cards for up to {$650.00} dollars. Neither of these responses meet my needs. The lady on the phone connected me with the travel service capital one uses, and they told me they could book my flight for me, but, as I no longer have use of the card, I'd have to talk to yet another person. So, I was transferred again. This lady gave me the first option ( half the value check or giftcards ) and I explained that I had been shuttled around twice, with the suggestion that she could help me with the travel. She told me she'd look into this, but as yet, to no avail. 

I carried the card, I obviously used the card enough to get a healthy number of points, I kept the card open to use the points for travel, and have now been told that this isn't an option, as they chose to close my card without my being able to change their decision. This choice on their part is a ding on my credit, which I am not happy about, but more significantly, it is resulting in the loss of a big chunk of money that I actually earned by carrying and using their card. Basically, it seems that once I was no longer making them money, they discarded me -- even though I had made them significant money ( and earned significant points ) in the past. This doesn't seem right. I hope you can help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
I do not recall giving permission to Healthcare Collections or XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 

Attached please find a copy of the response from Healthcare Collections Inc., included in the response is the letter I sent to the company and initials indicating they recieved it. I have blacked out any personal information contained on the bills and am attaching them to this complaint for the only purpose to show the HIPAA violations. I have not recieved nor have I ever signed paper releasing my medical information.

Also I was covered under the Arizona Medicaid program XXXX health care at the time of this hospital bill. The insurance information was provided to the company at the time of service. I was not notified that this account was in arrears or that it would be sent to collections. The bottom line is that XXXX should have been billed for this service, and companies are not allowed to balance bill a patient with Medicaid.

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 2018-02-09 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

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 2018-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/, I placed a voluntary security hold on my Coinbase account as a precaution after my cellphone and personal bank accounts were compromised. I explained to the Coinbase representative that my Coinbase account had NOT been compromised - rather, I was notifying them out of an abundance of caution. I asked that my account be placed on hold until further notice. 

On or about XX/XX/, upon confirming that all of my personal security issues had been resolved, I notified Coinbase and requested that they reinitiate my account access. 

Since that time, I have called Coinbase several times. Each time, I am told that my request for account access has been " escalated '' and has the " highest priority. '' However, each time they also told me that they did not have enough resources to respond to my request. I asked for a time estimate and was told that one could not be provided. I then asked whether it would be " days, '' " months, '' or " years '' and - shockingly, I was told they could not give me any estimate. 

On XX/XX/, I asked to speak with a supervisor named " XXXX. '' She refused to provide her last name. Once again, she would not provide a time estimate as to when my account access would be granted or when I would be able to close my account. 

During each of these calls, having grown frustrated, I indicated that I wanted to close my Coinbase account immediately. I was shocked when they responded that my account could not been closed while I don't have access. 

To date, I have not been able to access my account nor have I been able to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: AL

Complaint narrative:
Due to misunderstanding and clerical errors of this account, I am requesting validation of this debt. I never received proper notice for this debt. I was notified by XXXX in XX/XX/ that this account would be tranferred to RTR on XX/XX/. I received two account statements from RTR. The first time I spoke to RTR was XX/XX/. I wanted to settle a debt that I supposedly owed. Unfortunately, at that time I was unaware of my rights.After five days of initial contact, RTR should have informed of the name of the creditor to whom the debt is owed, a statement of dispute, correct amount owed. In short, my consumer rights. I do feel RTR is taking advantage of me by not properly informing of this debt. I deserve to know my consumer rights. Overall, RTR account handling is unfair, deceptive and unorganized. I have no problems with the customer service reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
JH Portfolio Debt Equities reported a debt on my credit and i have no idea who they are. I have sent several letters validation and or proof of my signature on any documents, paperwork, Ect. I have not heard back from them and its still on my report. I'm going to fight this to my last breathe. 
Beware of : JH portfolio debt equities. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2018-02-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
My XXXX XXXX gift card was lost or stolen and I called XXXX XXXX / Incomm and verified my information and was finally told I'd receive a replacement card on the XXXX within 8-14 business days. 

It never arrived so I call again on the XXXX and another replacement card is said to be placed. 

It's now XX/XX/XXXX and I've called once more and I've never received a card. 

I've never heard of such incompetence - who can't mail a simple card? I've verified my information and address over and over and over and spoken to reps ad nauseum.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A check was written for my rent on XX/XX/XXXX. Though Capital One shows the check cashed, there is no signature endorsement on the back. My landlord said she did not cash this check, as she always signs it. I have called Capital One since XX/XX/. They are constantly saying their 'fraud team ' or their 'management team ' is handling this and will get back to me. I keep calling over and over and nothing is being done. How long can it take to find out where this check was cashed? I don't understand why they keep jerking me around. I have wasted hours and hours on hold while someone contacts " their manager '' or the person in charge or whatever. It's almost laughable now when they tell me they will have someone get back to me. This has gone on far too long and I feel they are not even handling it. I have copies of the front and back of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: WI

Complaint narrative:
On XX/XX/ I received a letter dated XX/XX/ in response to my first debt validation letter. Attached to this complaint you will see, the response has failed to verify the information and debt. The letter also states it is going to report to all three ( 3 ) major credit bureaus to update the incorrect, invalidated debt. 
You are currently reporting debt to my credit report { {$170.00} } and as allowed under the Fair Debt Collection Practices Act, I am requesting that you validate the alleged debt. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX  to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my WET SIGNATURE with the provider of service to release my medical information to you CEASE ANY CREDIT BUREAU REPORTING UNTIL DEBT HAS BEEN VALIDATED BY ME. Please send this information to my mailing address listed above and accept this letter as my SECOND FORMAL DEBT VALIDATION REQUEST, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: IA

Complaint narrative:
This debt was paid through XXXX Hospital, the entire balance was paid in XX/XX/2017, long before it showed up on my credit report. I received several calls from a collection agency after the fact, after the bill was paid off in full, stating that I owe for this bill, I explained to them that it was already paid through XXXX  hospital, I called and confirmed this with XXXX  Hospital and they show no open bills. XXXX hospital told me that they showed no balance and that they would contact collection agency and let them know, that the bill was resolved and they instructed me to disregard their calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: CO

Complaint narrative:
XXXX XXXX, I was told that this reporting agency is fraudulent and reports to creditors a lower score and I needed to file a complaint.

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 2018-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company
State: TX

Complaint narrative:
My mortgage company started proceedings to change my flood insurance from a low risk zone to a high risk zone without my knowledge. 
We only learned of this when our insurance company contacted us on XX/XX/XXXX requesting an elevation certificate and other documents to process the change. 
We were not given any time to research the situation as the mortgage company continually harassed the insurance company to expedite this process. 
I had to find a surveyor and pay XXXX dollars to obtain the certificate meanwhile frantically trying to get information to counter this process. The whole subdivision is located in zone XXXX and no one could explain why our lot was in zone XXXX. 
After weeks of research and communication with FEMA, our Congressman, and XXXX County officials we were able to determine the subdivision was raised and filled to meet flood base standards when it was created in XXXX. Unfortunately the flood maps were created in XXXX. We obtained a copy of the revision from FEMA. We tried to give this information to the mortgage company but could not find anyone that was familiar with the situation. I had to contact my insurance company to obtain the name of the person responsible for initiating the change. I called several times and sent the revision letter but never received a reply. Finally after several days I was able to contact this person but was told, yes she received my information but they only go by the maps not revisions. I told her that was unacceptable and she reluctantly agreed to contact her supervisor about the matter. 
Less than an hour later she contacted me and my insurance agent. We were told the property could stay in zone XXXX for the time being but they might revisit the situation later. 
At this point the property had already been re-zoned to XXXX so I was required to submit more paperwork to get it back to zone XXXX. 
This was extremely stressful on me and my husband. We were told our insurance premium could go from XXXX dollars to thousands of dollars. Money we could not afford. We were looking at foreclosure as our only means of escape. 
Shouldnt companies notify their customers before initiating changes to their mortgage or insurance that protects the mortgage? Shouldnt customers be given adequate time to obtain documentation to prove their rights? If we had been aware of the situation we could have avoided the stress and monetary loss we encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: WA

Complaint narrative:
Experian has not updated my report as requested. XXXX XXXX XXXX is still reporting me as high balance and owing money, when I paid this account in full, was never late. They are continuously breaking Federal Law. This needs to stop. This is affecting me and my family. I can not get any credit or do anything to since my report is being high jacked by these tyrants. Please do the right thing and make these guys get it right. At this point and time I will be seeking legal counsel. For I have tried to resolve this 4 times now and have no results what so ever.

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 2018-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My brother and I both have XXXX Capital One Credit Cards. I  want to report and wish to request that the proper government bureau investigate their practices on charging interest particularly when there is ongoing Same As Cash deferred interest programs on the account. On both credit cards, we have purchases that have 0 % financing for 6 or 12 months ( deferred interest ). XXXX/Capital One calls this " Same As Cash ''. We have XXXX XXXX and XXXX cards that we also utilize the special financing on. However, only on the XXXX cards do we get charged random interest. I have attached the last two months statements for you to review. I'm complaining that they use an unethical, illogical method that unnecessarily charges the consumer interest at 25.99 %. They apply the payment amount in excess of the minimum payment to the Same As Cash Credit Plan with deferred interest that is ending within 2 months of the actual expiration date rather than paying off the Regular Purchase amount. This defeats the purpose of buying something with special financing. If they are applying my payment to the special finance balance 2 months earlier then it is technically not zero interest for 6 or 12 months. Their method is not industry standards and they fail to mention anywhere on the statement the minimum amount the consumer has to pay to avoid any interest. They did credit the interest to us in both instances but they made it like they did it as a one time courtesy. I am paying off the balance in the next two months and cancelling both cards. I would kindly ask you investigate this to see if what they are doing is legal and ethical because I'm sure many other consumers are being affected like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: SC

Complaint narrative:
Navient is supposed to have my XXXX XXXX XXXX loans set to enhanced PAYE so my loans are forgiven after 20 years but after several phone calls over several months my loans are still not corrected. Every time I call I get a different story.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10 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: United Student Aid (USA) Funds
State: AR

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX pretending to be USA Funds sent correspondence to addresses that were not mine. I received the mail from my mother and mother in law several weeks later which indicated they were to start a wage garnishment. I promptly replied that I requested a hearing as I had not been on my job but one month and had not worked since XX/XX/XXXX, as I am XXXX and awaiting an appeal hearing from the SSA. I also forwarded financial statements indicating abgarnishment would cause a major hardship. I received no confirmation only copies of my promissory notes from years ago, with no cover letter or anything. I had also indicated I was interested in loan rehabilitation and asked how I could start that program. 

A few weeks later, with no notice, they began garnishing my wages. About a week after that, I received a letter stating they cancelled my hearing, of which I had never received any confirmation would happen. A couple of months later, I received a letter from a company named XXXX. I called them and hey set up loan rehab for me. To date, there have been no payments applied to my loans from the garnishments which were taken illegally. I would like to have my money returned to me that was stolen from my paychecks, as I am no longer working due to my XXXX, and have absolutely no income. I am also in the process of filing for XXXX forgiveness anyway. The way that was handled was in direct violation of my rights and they should be prosecuted for theft by deception.

Company response to consumer: Closed with explanation