vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I went to Georgia XXXX XXXX and XXXX XXXX Both XXXX   Colleges. Georgia XXXX changed their name to XXXX. Both schools were forced to close because of shady dealings and list accreditation. Noone would except certificates from these schools. They have been in the media and haven't deleted this from my credit report. I had a XXXX in XX/XX/2010. I'm currently XXXX. I've sent in all of my documents from my doctor and still Navient won't stop calling every day and they won't except my XXXX papers from social security or they just won't do it. These loans are affecting me badly. I've done all that was required of me legally and I feel I'm being bullied. They literally call me over 5 times a day. I don't owe them they owe me. Despite all the law suits they still won't do right. Please help me .They wronged so many people and still they refuse to follow the law. Navient is bullying me despite their illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XX/XX/18 my daughter transferred {$450.00} through XXXX for purchase of tickets. She did not receive the transfer as promised through XXXX. 

I received a notice from Wells Fargo that the transaction took place along with a phone number to call Wells Fargo if there were any questions. I called Wells immediately ( within 5 minutes after the transfer ) and they said there was nothing they could do to help with this fraud. 

On Wells Fargo 's website it says Online Security Guarantee covers XXXX transactions when initiated from Wells Fargo Online or Mobile. This is NOT BEING HONORED. 

My teenage daughter worked very hard for that money PLEASE HELP her get her money back.

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 2018-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have a credit card with XXXX XXXX I for about a year, but I have been a customer for years. The bank that backs the card is XXXX XXXX. The bank has decreased my credit amount from {$900.00} to {$400.00} dollars since I filed a complaint with you against them for not applying my payments and charging me late fees. This bank for this XXXX XXXX card has restricted my access to use the credit on this card. XXXX XXXX is still charging me interest on the XXXX credit card after I closed the account. I want to close this account, but I believe they will continue to charge interest for a closed account. 
I believe they retaliated by decreasing my credit limit from {$900.00} to {$400.00}, and now has restricted me from using the credit on this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under fake accounts which she is currently in jail for and facial years in jail for fraud I even have my police report I contacted all the debt collection to let them know that it wasnt me I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX account to learn more about my credit as I was checking I see it alot of old fraud infos on my account one of them is XXXX it shows that I had a XXXX account since XX/XX/2015 but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company XXXX/XXXX I have no idea who they are but they keep on reported me messing up my credit please help me get my identity back.

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 2018-07-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, PNC Bank took two mortgage payments out of my checking account instead of one, a result of a computer error, according to them. I called their customer service team, and they stated they would credit the second payment back to my checking account. After nearly three months, they have credited back approximately half the amount of the payment, but the remaining XXXX remains outstanding on my loan balance. I have called them multiple times concerning this issue, but they have been unable to solve the problem. As a result, I have been getting calls from their automated late payment telephone number, and have received a letter stating that I am behind on my payments, when technically the opposite is true. I have spoken to many people at the company, and all seem unable to help resolve this issue. I am submitting this complaint as a last resort in hopes that the issue can finally be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
15 U.S. Code 1692g - Validation of debts -i never received the first 30 day notice under federal law that shows XXXX XXXX has my important identifying information which is very frustrating and falls under fraud. they need to remove both collections they have placed on my credit report. 
They are also in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX has been popping up on my credit report for the last 2 years. Stating that I owe them the amount of XXXX from a XXXX loan that was opened in my name from identity fraud. I have sent them multiple letters stating this is a part of identity theft, i've also sent them a police report from my then local police department with the item listed as apart of the identity theft. they continue to not Validate this debt and since i am a Florida resident they aren't boded or license to collect debt in this state. This debt is hurting my ability to purchase my home. They removed the debt and admitted fault in XX/XX/2017 and has since then been reporting agin to my XXXX XXXX and XXXX reports! This is completely illegal what they are doing!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
So the vehicle went up for repossession. i asked for a payment plan and had hardship with loss of employment with XXXX XXXX XXXX i was hired on with XXXX now long right after but by this time i was never notified of the repo. then the car was reposessed, so i said okay fine. well then never got a letter until after it sold from auction the vehicle loan balance on my credit report is showing inaccurate. GM financial is not reporting the correct balance owed. they are reporting {$17000.00} and it should be around {$7000.00} since they claimed they sold the XXXX XXXX at auction. they have violated 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Date : XX/XX/XXXX Amount in transaction : {$200.00} ( including {$3.00} transaction fee ) On XX/XX/XXXX, I decided to purchase approximately 200 dollars worth of bitcoin through Coinbase. The transaction went through successfully. Following the transaction, a window prompted me to verify my identity. Part of verifying my identity included my date of birth, which is XX/XX/XXXX. Shortly after submitting my address and date of birth in order to verify my identity, I received an email from coinbase explaining that restrictions had been placed on my account due to the fact that I am under XXXX. Because of the restrictions, I am unable to sell the bitcoin that is in my account, or send it to another account. The bitcoin is laying frozen in my account, and I can do nothing with it. This effectively means that this company is withholding XXXX dollars from me. 

At the time when I created my coinbase account ( over one year ago ), they did not have a policy stating that users had to be over XXXX. This new policy was implemented only a few months ago. I was never made aware of this change in policy - I never received an email, nor was I informed of this change when logging into the site. I think it is unfair that coinbase allows users to give them money without requiring identity verification, only to withhold that users money when they fail the ensuing identity test, especially when the user is never made explicitly aware of the policies & requirements involving identity. 

I was unable to get a hold of coinbase through the phone, as I was repeatedly met by an answering machine. I sent a support ticket, but I am skeptical as to how effective this will be, as most people in my position have commented online that coinbase can take months to resolve similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Good morning, Im writing this complain because Im so fed up with how Bank of America treats me as a customer. This issue I have with Bank of America is happening isnt first time. They had charged me overdraft fees previously and couple times fair but other times is not at all. All my requests to waive was unsuccessful. The reason why they charge me overdraft is not because my account didnt have enough funds for scheduled payments but because of in which order they clear up transactions which is so unfair and wrong. I just found today that they again charged me overdraft fees for three transaction! Which is three times {$35.00}. These three overdrafts couldnt happen because I had enough funds to cover scheduled bills. Yet, Bank of America found they way to clear up transactions in the order that convenient for them. I spoke with customer service two times and they deny to waive it. All my logical explanations dont make any difference for them. When I asked why Bank of America deny my request to waive it, they say they cant explain. Its just denied. Ive been a loyal customer with this bank for so many years, not even saying that they took total of {$100.00} overdraft fee ( three times {$35.00} ) unfair this time and theyre so careless.

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 2018-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: NY

Complaint narrative:
The loan company will only accept that we reapply for the loan or their lawyer will garnish our wages or place a lien on our house or car.

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 2018-07-18 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
In XX/XX/2018 I submitted a dispute for charges I was wrongfully charged. The results of the investigation were unsatisfactory. I then submitted a second time along with a handwritten letter explaining in detail what happened as well as my information to contact me back if there was anything else needed to complete this dispute. I sent this information a total of 3 times over the period of a couple of months with no reasonable explanation of my situation. So I then started sending messages to them explaining to review the information I have sent in multiple times already. The replies back from them were to resend everything again. Unfortunately I do not have copies of the details of my dispute but the claims department does. So I called one last time desperately seeking a resolution to this issue and the department that handles these dispute claims are not available to speak with nor would the credit card company contact them on my behalf. I finally canceled the credit card which I did not want to do because of the unsatisfactory customer service I received. I feel very disappointed that my credit card company would not help me out in a situation that I went above and beyond to get the matter resolved in a timely fashion with no satisfactory results. I was very loyal and only used this card as well as every payment I made was on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: GA

Complaint narrative:
XXXX and Equifax declines to delete/remove the inaccurate and false account in my file ... there is no contract and the bureaus will not provide me with the verifier or any proof of validation ... this account was settled with XXXX XXXX ( Original Creditor ) this is the very reason why XXXX has removed it ... the account has now been given or sold to XXXX XXXX ( Opened XX/XX/2018 ) This is an outright and unjust violation of F.C.R.A. law and litigation may follow ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a  consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 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: GA

Complaint narrative:
Transunion and XXXX declines to delete/remove the inaccurate and false account in my file ... there is no contract and the bureaus will not provide me with the verifier or any proof of validation ... this account was settled with XXXX XXXX ( Original Creditor ) this is the very reason why XXXX has removed it ... the account has now been given or sold to XXXX XXXX ( Opened XX/XX/2018 ) This is an outright and unjust violation of F.C.R.A. law and litigation may follow ...

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately.

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 2018-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I dont understand Citibanks overdraft system. It is very misleading. I log in to my account and I see my account being negative with pending transactions. I immediately make a deposit and I still get charged fees. I have been charged 3 or more fees because of this. My end of day balance never goes negative. The transactions that come in are pending. Why would I still be charged a fee?

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 2018-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
On XX/XX/XXXX, I received a notice from Bonneville Collections stating they were representing XXXX XXXX XXXX on a debt owed in the amount of {$5100.00} and that I had 30 days to dispute it. I sent Bonneville Collections a letter on XX/XX/XXXX disputing this debt they purchased from XXXX XXXX XXXX. I don't owe this debt and have been disputing this debt directly with Mr. XXXX XXXX - the owner of this lawfirm since XX/XX/XXXX. Mr. XXXX XXXX acknowledge my dispute via email on or around XX/XX/XXXX and apologized for the way I was treated by his law firm, but then all correspondence with him ceased - even though I attempted on numerous times to get him to get this settled with his accounting department - which he failed to do. I also sent them proof regarding the fact that I had been disputing this debt since XX/XX/XXXX and sent them copies of my correspondence to XXXX XXXX and his accounting department too. 
Bonneville Collections NEVER responded back. 

On XX/XX/XXXX, I called to try to handle an outstanding medical debt in the amount of {$180.00}. It was at this time that XXXX advised that my account with them had an outstanding balance of {$5800.00} stating that the remainder of this outstanding collection was for monies owed to XXXX XXXX XXXX. I informed them that I don't owe XXXX XXXX XXXX anything and that Mr. XXXX XXXX is fully aware of breach of contract I had with their law firm too. I questioned them about the invoice I received from them dated XX/XX/XXXX wherein they fail to notify me who this debt is for and instead say " Referred by : Your Creditors. '' XXXX stated that they could report this outstanding debt because they had a contract wherein I signed stating I would pay XXXX XXXX XXXX for their services. This is accurate, but I also fired XXXX XXXX XXXX because they failed to hold up to their commitment of our contract ( breached contract ) and I had to go elsewhere to get the assistance me and my XXXX XXXX XXXX XXXX sons were needing/seeking with regards to our Temporary Restraining Order and Custody Case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: NE

Complaint narrative:
Applied for loan in XX/XX/2018 and had the following experience : 1.  Representative gave me a list of documents they needed, but wasn't specific, so I had to find and upload different documents related to the same income. 
2. Many first-line customer service reps have thick accents and talk so fast you can't understand them. 
3. On several documents, I had to submit the same document 3-4 times, despite telling the reps that I'd already provided those docs. 
4. I answered the same questions 4-5 times, e.g. " what bank does your pension check get deposited in? ". From this and other repetitive issues, I deduce that their internal processes are not thorough, nor are their people well-trained. They obviously do not take good notes from their conversations with loan applicants. 

5. They promise a decision within 24 hours. It took 6-7 days for me because of all the duplicative questions and requests for documents. 

Definitely NOT a good company to do business with. Regardless of my loan decision, I would be filing this complaint. People should not have to go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: IN

Complaint narrative:
CASH CENTRAL XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX The company listed above is on my credit report. I have no idea why they are on there. I'm hoping they can remove it. During the time they have stated I was not even in the US, I was working in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC
State: CT

Complaint narrative:
I am enrolled for health insurance through XXXX XXXX XXXX  ( XXXX XXXX XXXX ), my insurance was changed over from XXXX to XXXX starting XXXX-18. I have spoke directly to XXXX  and XXXX XXXX over this several times and my account is noted and they keep pointing the finger at the other party and telling me I need to correct the others mistakes I was billed for insurance for the month of XX/XX/2018 by XXXX even though XXXX XXXX  changed me to XXXX. I am now going on 8 months and the issue has not been corrected and I have been sent to a collection agency ( GB Collections, LLC XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ) for the second time. The first time it was for almost {$2000.00} and now it is {$570.00}.

Company response to consumer: Closed with explanation