vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I submitted a credit card application for a line of credit with Citi. Application # XXXX. I received a 'Decline of application ' notice dated XX/XX/XXXX.

I understand they have a right to refuse service and grant credit at their discretion. I have reason to believe their decision is discriminatory based on the fact that I had a mortgage contract where they aggressively foreclosed in XX/XX/XXXX. The impact of their explanation and the declination is more of a rejection rather than considering and objectively evaluating my current credit worthiness. I have a revolving gas card in good standing for 20 years+, that is a subsidiary with Citi , XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I 've tried to call the ph. # XXXX to inquire of their decision and they have no option for a live person conversation. I expected at least the courtesy to find out what is lacking, as they express desire " to be clear and helpful in explaining this decision ''. Not so. 
For these stated reasons I make a formal complaint to Citi and the staff.

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 2018-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ASTA FUNDING INC.
State: PA

Complaint narrative:
I received notification that my wages were being garnish for an paid  XXXX bill that I have no recollection of. I never resided at the address listed on the bill and I was also XXXX at that time. The amount of the bill is XXXX . I have never heard of the company and I only learned of the debt from my employer. I do believe this debt is over 15/16 years old, and I don't understand how they are able to garnish me after all these years. I have been a resident of Pennsylvania for over 12 years. This debt is for a New Jersey address that I never resided at or ever had listed as my place of residence.Any information regarding this matter will be helpful,Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hello,

On XX/XX/XXXX, I sent a wire transfer to Coinbase to the amount of $XXXX. A day later, Coinbase responded by saying the name of the wire did not match my account information, and thus they needed to reverse the wire. That email was sent on the XX/XX/XXXX, and they confirmed that the wire would be reversed in roughly 7 business days. It has now been 16 days since that email, and the funds have not shown up in our account. We have tried contacting support multiple times, and we have supplied them with relevant information regarding the wire.Warm Regards,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Nothing really happing I 'm a really good hard working lady..I give my all to how things come at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
My vehicle was repossessed for being 33 days late on a {$250.00}. I informed them several times that I was injured on my job and was out on XXXX ... I continued to make payments even though i was late and wasnt bringing in the money i normally was if i was working. I received an email approximately XX/XX/XXXX from a representative from XXXX asking for payment. They was informed that a payment wasnt able to be paid until the XX/XX/XXXX. I didnt hear any response back. On the night of XX/XX/XXXX approx a tow truck came to my home to repossess my vehicle from XXXX XXXX XXXX. Upon them towing my vehicle they began dragging my vehicle down my street and driveway even though they had keys to it ... My family began running down the street yelling for them to stop dragging my vehicle until we heard a large pop from my vehicle. On XX/XX/XXXX I arrived at XXXX XXXX XXXX  to retrieve my appointment after paying XXXX my payment for XXXX {$250.00} ; Late fees {$68.00} ; and repossession fee of {$370.00}. As I went drive car off the lot i was unable to drive my car. My gearshift was not operable unable to put into drive. They young lady called her manager about the situation and i was told by him to go home until he was able to reach his agents.. About an hour later he called back and said his mechanic which turned out wasnt an mechanic but another employee was able to jerk my car into drive and remove it from the back lot. AND basically left it running and walked away. I had to have it towed off the premises to mechanics. I called XXXX XXXX to file a claim and have yet to receive any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Option Funding, Inc.
State: CA

Complaint narrative:
This is the second complaint I am filling for this company. The original complaint number is XXXX. Originally I was working with Option Funding on refinancing my home loan. We told them that we wanted a loan with the terms that we pay twice a month rather than once a month. This would reduce our principle faster so our 30 year loan would be paid off early. They agreed to find us a loan with these terms. Once we signed on the loan we found out that the loan was not set up this way and the lender would not make this change since this requirement was not stated in the terms of the loan. I informed XXXX XXXX at Option Funding and they said they would call the mortgage company to fix this. They said I could just make an extra payment at the end of the year but this is not what we agreed to when we signed up for the loan. During this time the original mortgage company sold the loan to another company who stated they would not make any changes to the loan since the terms were already set. Option Funding said they would try with the new company but never got back to me and is no longer taking my calls. 

The from the company through CFPB response was not true as they never contacted me about any offer of refinancing on this loan and never mentioned a bi-weekly payment center. Also this was a by monthly request at the beginning of the loan process and they agreed to find one like that. I reached out to the loan office repeatedly as did my relator with no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS

Complaint narrative:
Per previous complaint all documents sent faxed and emailed, Now all the paperwork that THEY lost is outdated.  I have just now emailed all current pay stubs from XX/XX/XXXXthrough XX/XX/XXXX. Again this is a problem on Carrington's part.  I hand carried the documents to a branch in XXXX XXXX Missouri handed them to XXXX XXXX – NMLS ID # XXXX Area VP – XXXX XXXX Carrington Mortgage Services, LLCXXXX XXXX XXXX XXXX XXXX, MO XXXX Phone: XXXX Cell: XXXXFax: XXXX Email: XXXX State Licenses: MO, KS, OK, IA, AR, NE, MI and the first person I spoke said there was no branch in Missouri. So here we are again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is in violation of the Fair Credit Reporting Act because they are reporting inaccurate information on my credit report that they said they verified as accurate after my first CFPB complaint, no XXXX. On XX/XX/XXXX, XXXX XXXX said that he verified my credit report was being reported as 30 days past due for XX/XX/XXXX. Well I just looked at my credit report again and it shows that I was 30 days past due in XX/XX/XXXX on XXXX and 30 days past due in XX/XX/XXXX. And XXXX is n't even reporting the account. I know for a fact that I was not late in XX/XX/XXXX and XXXX XXXX even confirmed that I was late in XX/XX/XXXX and said he could n't modify the late payment. Well now that inaccurate information is being reported after you verified it as accurate, I am entitled to {$1000.00} per the Fair Credit Reporting Act and even more if I were to hire an FCRA attorney to help me. Now the last thing I want to do is keep dragging this out any more than we have to. Clearly when I made my payment I was not aware that it was returned and made my payment right away. But the fact that you are reporting me late in two months is not right. I attached a copy of my credit report which shows how Capital One is being reported so you can see I am not lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
I made a final payment to XXXX to close my account on XX/XX/XXXX. This included a $ XXXX charge for an old phone only worth {$150.00} by trade-in! That payment was lost by XXXX, but I was not informed. I logged on to their website to download an old bill for my files and saw the outstanding balance. I contacted them and provided proof of payment. Yesterday, I got a credit alert saying I had a new collection account from Allied Collection Services, who I have never heard of or from. The note on the alert says " XXXX '' as original creditor. Not only is this debt invalid, the collection agency failed to send proper notification of the debt or option to dispute. I have never, ever gotten correspondence from Allied.

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 2018-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One bank of a fraudulent application submitted with his information without his consent. The application resulted in an inquiry with XXXX, XXXX and XXXX XXXX/XXXX/XXXX which was not authorized. An official dispute of this was sent to Capital One XXXX/XXXX/XXXX however ; Capital One mailed my client a letter informing him this office 's investigator was added as a POA to the account of dispute. First, this office and our client never disputed an actual account, we were disputing a fraudulent application that left an inquiry and second Capital One has asked the POA to provide proof of their capacity by providing person financial data and information not required under any consumer law. 
All of these actions are gross violations of federal consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX XXXX XXXX shows late payments and I have never been later.   They say that on there end they don't show late payments.  I contacted them last on XXXX XXXX 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
Messerli & Kramer has received several documents from me proving I am exempt from financial judgments & wage garnishments. I am exempt because I currently receive government assistance & have for several years. I received notice dated XXXX XXXX, XXXX a notice to appear in conciliation court on XXXX XXXX, XXXX. XXXX XXXX had hired Messerli & Kramer to obtain a judgement against me. This is a violation, as I have exempt wages in which XXXX XXXX XXXX has been made aware through supporting documents I had provided them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: DISCOVER BANK
State: UT

Complaint narrative:
I have had my Discover Card for 20 years! Never late and always a good customer. Well I have n't used my card in awhile so it had a XXXX balance. I have n't got any notices from Discover Card, no  statements or anything. 
Im in the process of buying a house and my lender pulled my credit and there is a 30 & 6 day late XXXX & XXXX of 2017! It showed currently late for a charge of {$25.00} that I did n't make. I called them and they were very rude to me advising me they sent something to my email but I checked my emails and junk and there is NOTHING! 
I am never late on anything with my credit and if I had received a notice I WOULD HAVE took care of it! I mean they can see on my account that I am not someone who is late. 
They were so rude that I closed my account and just paid for the charge.

Discover Card should have disputed the charge for me and the late payments etc would have been reversed and the account would have been fixed. 
But they refuse to help me. One their site they even have a GOOD WILL CLAUSE! On their commericals they claim how they will help you yet they would prefer to lose a long lasting customer of 20 yrs for a mistake charge. I have contacted them several times to fix my account and reinstate it but nobody will help me. 
Because it was n't my fault and because I never got a notice I would like the late payments removed and my account reinstated - open again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
TAM/XXXX XXXXXXXX XXXX Collection agency put several collections on my credit file without sending me a bill or any type of notification. 
This agency is not licensed or bonded to collect in the State of Texas where I reside and have been residing all of my life. I have requested validation of the debt because on my credit file it only says medical. They wo n't send me anything. They are just ignoring me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical & Professional Collection Services, Inc. NC.
State: IN

Complaint narrative:
The company MEDICAL & PROFESSIONAL COLLECTION SERVICES, INC has a collection claim for the amount of {$1400.00} on my XXXX credit report. I visited Indiana 's Secretary of State website to verify the company and while attempting to verify the company I noticed that the company 's license to conduct business in the state of Indiana has expired on XXXX/XXXX/XXXX and as of XXXX/XXXX/XXXX this collection agency is not currently licensed to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I paid the full balance off My XXXX XXXX account in the amount {$430.00} at the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I received a notification that my account was 30 days past due and now have a 30 day delinquency on my credit report, this has dropped my credit score by 64 points. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to have this corrected. I was told the {$430.00} payment I made was applied to the wrong account. I was advised it would be correct with 24-48 hours, it was n't.  After weeks I re-contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and I was told by a supervisor nothing was done to have this issue correct from the last time i called on XX/XX/XXXX the funds are still in the wrong account and the Credit reporting agency have not been notified to remove this 30 day delinquency and report the account with a XXXX ( XXXX ) balance and current. I am in the middle of buying a home and this is putting my home loan approval at risk.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In XX/XX/XXXX I filed a complaint with CFPB case number XXXX, to remove two Old closed XXXX XXXX accounts from All three 4 credit reporting agencies-XXXX, XXXX, XXXX, and XXXX.After CFPB investigation, One Synchrony car care was removed/deleted from all reports except the other Synchrony car care which shows on my XXXX, XXXX, XXXX.On XX/XX/XXXX, I called customer service at XXXX, XXXX, XXXX and they all stated that I need to call XXXX XXXX XXXX XXXX to resolve this issue.Ive tried calling XXXX XXXX regarding this issue and cant get anyone on the phone and left XXXX XXXX consumer relations a message a few times in the past week but she will not return my call as well.Once again, This Synchrony car care on my credit reports shows, Status is closed, Joint account, opened XX/XX/XXXX, closed XX/XX/XXXX, last payment on XX/XX/XXXX.It also shows under payment history that last payment was in XX/XX/XXXX.So the information is incorrect as well.Im requesting that this account is removed from ALL credit reporting agencies.Because this account has not been removed, It has caused my credit scores to go down.Recap, Previously I filed complaint cause two synchrony car care shows up on all 3 major credit bureaus as old accounts that should have been removed.After investigation only one synchrony car care was removed and the other remained.Im filing this complaint to get other removed from all credit reporting agencies

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 2018-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: GA

Complaint narrative:
For more than 1 year, I tried to close this US Bank Checking Account because they convinced me to open a 2nd account when I did not need it. When I tried to close the account because there were no branches where I lived, and besides their fees were due to the cost of the new account. When I travelled XXXX on business, 3 different times I went inside the branch inside the XXXX supermarket to close my account, every single time it was a different excuse # 1 the manager has to close the account # 2 I 'm new and I need to wait for the manager to help me close the account # 3 Similar situations not to mentioned the numerous phone calls. So I stop using my primary account because they kept taking money to cover the cost of the account that I never wanted. 
Now, not only did they finally close the account but US bank closed my primary account and with a negative balance plus reported me to the XXXX. I 'm furious! So why did they keep my savings account open???? This is totally ridiculous! I 'm reporting them so other consumers can be aware! and they MUST fix this wrong!!!

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 2018-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hello,In XX/XX/XXXX I called XXXX I had lost my credit card and got married. I asked to do everything at once to get my name changed and then issue me a new card. The person on the line helped and stated a card was sent. Since then I have been locked out of my account online and I was not able to log in to pay my account. I have called 3 times for a new card and now I am being told they will not send me a new card because my account is XXXX overdue. How am I supposed to pay my account if I do not have a card and can not log in online? They refuse to send a card to me. This process is absolutely ridiculous. I couldn't get a card when my account was up to date anyways. They wont unlock my account so I can log in online and pay. I do not make payments over the phone and should not be forced to. I will not be paying this account until they actually get a card delivered in my hands. I will also not be responsible for late fees. They have the correct address. I was hung up on with my first call today. Called back again spoke to XXXX (supervisor) who transferred me to XXXX who wouldn't transfer me to a supervisor stating he was unavailable and they would call me back in 24-48 hours. This is beyond horrible customer service. I have gone through the BBB and the communications from that gentleman was horrible as well. Just send me a new card. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft.  He was notified XXXX XXXX/Walmart XX/XX/XXXX of a fraudulent application submitted with his information without his consent.  This left a fraudulent related inquiry on his XXXX credit report. An official dispute of this was sent to XXXX XXXX/WalMart XX/XX/XXXX and again XX/XX/XXXX however XXXX XXXX/WalMart has not replied which is a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation