vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I had internet service with XXXX XXXX for a few years. XX/XX/XXXX I started to experience a lot of problems where the internet would go down for hours at a time. XXXX XXXX did not resolve the issue, therefore I terminated my service with them in XX/XX/XXXX. I had automatic payment setup and did not have a contract. My last payment came out of my bank account on XX/XX/XXXX. A couple of years later I checked my credit report and discovered that XXXX had turned me over to a collections agency ( XXXX XXXX ) for {$71.00} ( one month service fee ). I had disputed with the other two credit bureaus and both removed the collections. However, Equifax is being impossible. I submitted my first dispute XX/XX/XXXX explaining the whole situation and lost it. I submitted my second dispute XX/XX/XXXX explaining the whole situation again and even included my bank statement from XX/XX/XXXX providing proof that this balance was paid. I just checked the status, and again lost the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hello, This has been an ongoing issue since XXXX XXXX. In late XXXX of XXXX, I called Capital One to advise my payment would be late, I also asked at that time if the late fee could be waved as a courtesy. The rep I spoke with said yes it would be, and to call back when my payment had posted. I made the payment on XXXX XXXX. I called back and was basically given the run around. At this time it was {$23.00}. Instead of complying with the customer, and just giving me the credit, I had the unpleasant misfortune of speaking to a few gentleman, that were very rude. With the exception of the first rep I spoke with. 
Endless calls, being transferred to this department or that department etc etc. Over at that time {$23.00}. This has now escalated to them demanding {$100.00}!! I paid XXXX payment on time as well as XXXX. Before the due date of the XXXX. I firmly believe this is unfair business practice. Now the endless calls have started. 
I am so done with this. I am a senior citizen with 2 XXXX XXXX. Stress from this issue is not helping matters. If they had done what they said they would do, which was to credit that one late fee, this would not be happening. I 'm very upset about this. 
This is my second attempt to get resolution in this matter. My account right now should be current with the exception of owing my next payment which is due XXXX Extremely frustrated and stressed over this. All this for a late fee that they said they would credit me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have been for weeks asking assistance due to the hurricane Irma so that one of my payments can be placed at the end of the lease and after having multiple conversations with several representatives of XXXX XXXX, I have arrived to the conclusion that they have made fun of me. They told me that they had already submitted the request for the approval of such assistance, days later on some other conversations I was told that the assistance had already been approved and that there was nothing to be worried about because all was current and in order with the account. Yesterday, I got a letter from XXXX XXXX reflecting still a due amount not corresponding to the supposedly new approved schedule of payments and today I called them out and was told that the request for assistance with one payment at the end of the lease due to special circumstances of hurricane Irma had never been created nor submitted. This is a total lack of respect to consumers which is by the way a pattern with XXXX XXXX due to the their abusive and predatory practices on a regular basis plus the excessive charges and fees that they charge to their costumers constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery debt buyer XXXX XXXX XXXX XXXX XXXX See complaint # XXXX They did not respond to the fact that they ILLEGALLY are involved in the process of RE-aging dated XXXX XXXX. 
Remove this INCORRECT information from my Credit report or I am hiring counsel ; a Consumer Attorney to Litigate on this ILLEGAL practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It seems that I have an inquiry from your company and Im looking to get more information because I never applied for anything and Im trying to figure out why and where would this inquiry come from. I am unaware of the inquiry. I have been a victim of identity theft and I have suffered from the credit breach. I would like to get to the bottom of this and I am working with an investigator. I have contacted FTC including filing a complaint, and leaning towards taking legal actions against the credit bureau and creditor for not contacting me in a situation where someone is using my credit without my consent, which is a violation of severs sections in The Fair Credit Act sections 609, 611, 604, 605. 

Inaccurate : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Coinbase has locked me out for several days from their platform and does not allow to withdrawal my investment. Contact them after the requested a document for proof of address and ID verification and still no resolution after 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal charged me almost 5 % for a domestic transfer in the US. I sold an item to a buyer in Florida and they are telling me that its being considered an international sale because of his account type. 

However, XXXX XXXX XXXX this link provided does not mention anywhere about account type. It only mentions that if the sale occurs within the US, which it did. 

Unfortunately, this is my third complaint this year against paypal. They have been misleading customers like myself with hidden charges. Im hoping the CFPB will step in to protect other consumers from their tactics. 

My other complaint which was closed was that they kept making unauthorized transactions towards my bank account. They falsely claimed to the CFPB that I was given monetary compensation before I submitted my complaint. This is not true. They compensated me only after writing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: FL

Complaint narrative:
Upon learning of this alleged debt on my credit report, I sent in a validation letter on XX/XX/XXXX and was sent back a copy of a lease dated XX/XX/XXXX-XX/XX/XXXX and typed up charges from XXXX. This alleged debt states the debtor moved out in XXXX and I wasn't living at this property then. I sent in a second attempt of debt validation on XX/XX/XXXX and asked for further validation that this alleged debt belongs to me, including proof this company's license to collect on debts is expired. I was sent back the same letter I sent in on0XX/XX/XXXX with writing on my requests stating they are only sending me what is required by law concerning the creditor/debt collector declaration. They hand wrote on the letter and  stated " original lease sent, renewals do happen" but have failed to provide the alleged renewal. When I highlighted the contradicting dates on the lease it was hand written " So what? you singed a renewal of stayed, you still abide by lease" but once again not providing a copy of this alleged renewal. I also asked for validation they bought this alleged debt, etc but they refuse to provide me with any valid documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I recently was reviewing my credit report and have realized that since my bankruptcy was finalized in XXXX of 2011, my monthly mortgage payments are not reported on my credit report. I have been on time with every monthly payment but none of the payment are represented on my credit reports, which has dramatically effected my credit score. I have contact my mortgage company in regards to all my payments not showing up on my credit report and they have reported there is nothing that can be done on their part to fix this issue. Since, 2011 my mortgage company has changed ownership several times which I 'm sure has something to do with this issue. Since, mortgage payments have the largest effect on your credit report, this makes it extremely difficult to repair my credit score. Thanks for your help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax incorrectly reported that the "Current Status" of our XXXX XXXX account was "120+ DAYS PAST DUE" despite being told by us and XXXX XXXX  that it was "Paid and Closed."  This incorrect reporting that went on uncorrected for years caused irreparable harm, including being denied loans and being required to pay higher interest rates for loans and credit that was approved.  Equifax has refused to respond to our XX/XX/XXXX 2017 letter seeking a settlement.  Prior to filing suit, we are reporting this to the CFPB in hopes that your agency may assist with getting a response and settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
I received a letter from XXXX XXXX XXXX stating an attempt to collect a debt of {$230.00} for original creditor XXXX XXXX XXXX XXXX account ending XXXX. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

I recently lost My XXXX Reference Number I 'm sure you can find out information by just using my name and XXXX account number. 

I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt If XXXX XXXX XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. 

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12 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 — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX on the site - XXXX XXXX for sale. On XX/XX/XXXX, I sent XXXX XXXX the sum of {$350.00}. for the product through Paypal. Payment ID # XXXX. She claims she did not know how to access the money, and it would not be touched and to send it again. Sent another payment of {$350.00} onXX/XX/XXXX payment ID XXXX. I did receive the Tour Pack from the XX/XX/XXXX payment. I had contacted XXXX several times to dispute the duplicate payment and they informed me she MUST return my money. I contacted her several times with no avail. Now she has blocked me - removed herself from XXXX and I learned she now is going under the name o XXXX XXXX XXXX, trying to join the XXXX XXXX XXXX again and was rejected due to her photo. Now her photo is also changed. This is a scammer. I am getting nowhere with XXXX. I want my {$350.00} back and this girl charged! She will try to rip off others too!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I went to Bank of America on Tuesday, XXXX XXXX, XXXX, to make a cash deposit into a business account. I went to the teller window and gave her my deposit slip and cash and told her that I would like to make a deposit. She unwrapped the money that I had given her and proceeded to separate the bills. She said that she need to put the {$20.00} bills in the bill counter because there were too many. So the teller took my cash and went to another teller window to put it in the machine. Then she came back and told me that my cash was short {$100.00}. I told her that I was pretty sure that my count was correct and she said that she would run it through the machine again. She came back and said that it was still short. So she counted the money before me. Then I counted the money. I asked her if she dropped or lost some of the money while transferring it to the other window. She said that she had not and asked if I wanted to take the money back or change the deposit slip. I told her that I would change the deposit slip and place my initials by the correction and she deposited the cash. So I went back to trace my steps to see If I lost the money somewhere. I had not. So I called the bank and asked to speak to a mananger. The manager said that she would balance her drawer and let me know. The manager called me back and said that the drawer had balanced and she hope i wouldnt take things any further. I told her that i was pretty sure that my count was correct but ok. A few days later I called the manager back to let her know that things were not settling with me and that I would like to open an investigation. She stated that she would have to get her marketing manager involved and that she would call me back. Its has been 3 business days and I have not received any calls.

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 2017-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Date opened XXXX XXXXAmount XXXXRE: Social Security Number: XXXXTo Whom It May Concern:I have recently been informed that there is negative information reported by Online Information Services in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing XXXX.I am unaware of XXXX with this company.Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number: XXXX.Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623(a)(3), and I am keeping careful record of your actions.Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking XXXX in damages for:1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices ActYou will be required to appear in a court venue local to me, in order to formally defend yourselfMy contact information is as follows:XXXX XXXXSSN: XXXXP.S. I have also reported this company to the XXXX and I have not received any correspondence to this allege debt from this company.  Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XXXX XXXX I received two letters, one from XXXX Bank and another from XXXX XXXX alerting me that an application for a credit card had been submitted but they were unable to process this application without speaking to me directly and verifying the information provided. I reached out to both banks and realized I had been a victim of identity theft. I contacted the credit bureaus and received copies of my credit report which listed inquiries made. The thief made well over XXXX inquiries on my behalf, all of which were never processed and were under review by the creditors- except one from Capital One. 

I received a letter in the mail dated XXXX XXXX, 2017 from Capital One, it is addressed to my current name stating, " We need to reach you because we think a credit card account may have been opened fraudulently ... '' My complaint is this, the thief is using my maiden name which by the way is misspelled, they are using a date of birth that is not correct, and they are using the wrong mailing address. How is it possible that every single bank/creditor was able to make sense of this fraud but yet Capital One still opened up an account. 

I reached out to Capital One and sure they were very pleasant to speak with and stated the account had been closed per our phone call but my problem is that it was opened to begin with. My personal information has been put out there and it is a scary feeling knowing someone is using it, what 's even scarier is that banks such as Capital One feel it is okay to open up an account when there are clear red flags. They suspected fraud and still moved forward with approving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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.

Complaint narrative:
Hi, Second complaint the same day against the same company : Coinbase Inc. 

Coinbase just closed the currency trade for Ethereum and Litecoin. It is UNACCEPTABLE asthe market is NOT closed and crypto-currencies have very large and fast variations. The buys and sells of those two crypto-currencies are now XXXX for an unknown reason, my money is LOCKED and ca n't be sold when i decide it that can result easily to a LOSS OF MONEY. To disable functions can be understood, but to disable to possibility to SELL is a major fault that can result to very bad consequences of money loss. 

Coinbase Inc seems to be managed by kids or irresponsible persons those days, jeopardizing the funds of its customers. This is unacceptable for an authorized crypto-currency company in the US. 

I hope and trust the CFPB will know how to resolve this. This is an unacceptable manipulation of the market. Tiding money is a fraud. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Case No. XXXX, Dispute was initiated for {$59.00} with enumber inc. A previously issued credit was re billed. There has been 2 transactions with enumber. one on XXXX and other onXX/XX/XXXX. Both of which are disputed. Customer service representative failed to understand this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: MA

Complaint narrative:
I received a direct mail offer on or around XXXX XXXX from American Express, to apply for their Platinum Delta Skymiles Card. The offer was enticing as it offered me XXXX Delta SkyMiles and XXXX MQM for spending {$3000.00} in the first 90 days. I immediately called XXXX and applied for this offer, but the rep taking my application, could n't locate my promotion offer code. She processed the application and promised to process an " Icare Case '' to add the promo code manually. However, the incorrect promo code was applied, and I only received XXXX Miles and XXXX MQM. This was not what I had expected or agreed to, and filed a follow up case. Since filing the follow up case, no resolution has been made, and XXXX is not guaranteeing me nor are they giving me the promotion for which I applied. This is unfair and deceptive practice by XXXX, in getting customers to apply for their credit cards. I offered to submit a copy of the direct mail offer that received for their review, but they refuse to take it for review as proof.

Company response to consumer: Closed with explanation