vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On XX/XX/18, I received a " Pre-Legal Notification '' from XXXX XXXX XXXX XXXX XXXX stating that I owed {$2400.00} on an account ( reference attachments ). I never had an account with the original creditor, XXXXXXXX XXXX, and am not aware of any previous attempts by XXXX XXXX XXXX XXXX XXXX to contact me. I also confirmed through my credit report agency that there were no previous credit inquiries regarding this completely inaccurate account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove the following unauthorized inquiries from my Experian credit report : XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I had an XXXX XXXX XXXX cell phone. I had their service for 8 years. With no notice or warning one day I could not call out. My calls were dropping, I could not hear incoming calls. This went on for over a year. I made numerous phone calls to them. I have to have a wireless carrier I travel for work and I have clients that I see that live is this area as well. I asked XXXX XXXX XXXX to let me out of my contract. I could no longer continue my service it was not working correctly. I had no choice but to turn my phone in and switch. XXXX paid XXXX XXXX XXXX. XXXX XXXX XXXX charged me for my phone that I turned in and was paid for. I have disputed this debt. I have tried to speak to them. I finally got the collection removed from my credit report. Only to have it added 2 months later. I was never notified in advance of the account being added. they are in violation of the reinsertion law. This is effecting my ability to obtain a mortgage. I do not owe this money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
My name is XXXX XXXX and my mortgage was transferred from XXXX to Freedom Mortgage XXXX XXXX of XXXX and somehow the property tax for the XXXX XXXX of XXXX was not paid by Freedom Mortgage. When I came to know about this in XX/XX/XXXX, I faxed the property tax bill ( for a property tax of {$3300.00} which included {$220.00} as interest/penalties if paid in XXXX ) and have been checking at least once in 2 weeks and all I got the response from them is they are working to pay it out. First I was told it will be settled by end of XXXX On reaching Freedom Mortgage over the phone as it was not paid in XXXX, they said it will be settled soon. I got a letter from XXXX County that the property will be put up on sale if the taxes are not paid. Again on reaching Freedom Mortgage over the phone on XX/XX/XXXX, the representative noted, it will be settled on XX/XX/XXXX ( now the property tax with penalty increased to {$3400.00}. {$270.00} as interest/penalty ). To my surprise, the property taxes were not paid on XX/XX/XXXX. I called the XXXX county office and they confirmed that the taxes are still not paid. I called Freedom Mortgage again on XX/XX/XXXX and even talked with a manager of Freedom Mortgage and he noted that it will be settled and I will get a call from Freedom Mortgage. No call received from Freedom Mortgage and I am completely blindsided as what is happening. To ensure I am on the good books of the government, I am planning to go to the XXXX County office and remit the Property Taxes directly on XX/XX/XXXX. 
I feel that I and my family are getting stressed out for something which we should not be worrying and as a customer who has paid all the mortgage payments for the last 5+ years on time, facing such an issue is something which could have been avoided by Freedom Mortgage on time if the correct process were in place for analyzing customer complaints. 

Property Tax bill attached Note : I have given authorization to my husband " XXXX XXXX '' to talk with Freedom Mortgage on my behalf and he has been talking with Freedom Mortgage with regard to paying the property taxes which are due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I've had an account with Coinbase since early 2017 and on two occasions have blocked my account in error. The first time it took well over 4 months but at that time i had no money inside so i was very patient, they also at the time allowed you to withdrawal money from both your coinbase and XXXX account. This time around they blocked my account they didn't give me any access to my XXXX account. This has been like this for 3+ months now and they're email team gives no response as well as their phone service because they claim they cant do anything but answer the phone to say that they cant do anything. I have about 1500 usd that i have left their for 3 months. At this point its ridiculous and to top it all off the last time i called the over the phone to try and get help the young man over the phone said someone when i had called last time had marked my case as closed or resolved even though it wasn't. I do not understand how the people over the phone cant help you but they can mark the case as resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: WI

Complaint narrative:
I have fallen on hard times and called your office yesterday to try to work out some arrangement that I could afford and was not offered any assistance. I borrowed {$1200.00} and have paid back {$1100.00}, however due to the interest rate being so high you have me owing a balance of over {$1000.00} still. I was told when I took this loan that after a period of time I would be able to refinance the loan and lower my payments. This was not true, I have attempted to refinance and the APR is the same 291 %. I would like to cancel my account and come to an agreement that works for both of us. I am a single mother and paying {$160.00} every time I get paid equaling to {$260.00} per month is unbearable. I have also mad large payments over the past few months hoping this would decrease the balance and it has not.

Kindest regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: LendingPoint Holdings LLC
State: TX

Complaint narrative:
Recently My banking accounts where hacked and several loans online where opened, I have contacted the banks, obtained police reports and filed identity theft report. Most where removed except for one creditor. I provided them all the above documentation but they have not provided any verifiable proof of contractual agreement showing my signature. Credit report is payments are beng made but I haven't made one payment and they are contacting me trying to collect on an account opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian - This company makes it so difficult to cancel your service that most people like me just give up. You can not cancel your service or pull your credit card from their website. You can only call them at XXXX and give them lots of information and then they immediately have their recording tell you it will be a 30 minute wait time to cancel your service.

As I am typing this complaint, I have been on hold for 47 minutes not 30 minutes. This has been the norm in the past and I have given up and hung up to tater find the same results. I want to issue a complaint and will call my credit card company to file a complaint with them as well. 

XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I always pay my loan on time threw auotmactic billing. XXXX sold my account XXXX and they never notified me. I look on my credit report and it says im late 3 months behind. Now call XXXX and they said they cant help me take it up with XXXX loan. I still have to pay. Thats very unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: NY

Complaint narrative:
On XX/XX/2017, I was advertised an offer by Amex on my user portal to upgrade my Premier Rewards Gold card to a Platinum card with a XXXX point bonus after spending {$5000.00} in the first three months. I was approved for the card and spent {$5000.00} in the first three months without receiving the bonus points. Thus, I called American Express in early XX/XX/2017 to inquire about the lack of points showing in my account. The sale representative put me on hold and then confirmed that I did meet the spending requirements for the bonus points. She escalated the issue to the marketing team to investigate. I called 6 times in XXXX and XXXX to check in and, eventually, the marketing team said that I was never targeted with the promotion which is fraudulent and untrue. The promotion is not a targeted promotion and a sales rep confirmed that anyone who applies online for this card is eligible for the promotion. I was scammed out of XXXX points with American Express when I met all of the guidelines to receive this general promotion. I continued to contact the company for months afterward with no resolution. The company misled me and representatives lied about why I didn't receive the points. Different sales representatives would give different excuses - eventually leading to completely ridiculous and invalid explanations. The offer is a general offer for anyone who applies online - an Amex representative confirmed this - there is no reason why I shouldn't have received the bonus offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
A XXXX account was opened in my name back in XXXX. I did not open this account and was unaware of it until it charged off in XXXX. I contacted the Ceo of XXXXXXXX XXXX XX/XX/XXXX asking for them to remove this account from my credit as a good will gesture. I was XXXX when this account was opened and during my XXXX i wasnt aware of half of the things occurring with my credit. XXXXXXXX XXXX stated the would research my request and get back to me in 10 days. They did not. I contacted them again and they told me it would take another 10 days. I contacted them a 3rd time and they said a letter was sent. I never received one and i contacted them again and a 2nd letter was sent which i did receive. In the letter they stated they removed late fees from the balance due to SCRA. I then contacted XXXX to just find out about resolving the balance of XXXX to have the trade line removed as it wasnt opened by me in the first place and they told me there is no way possible. I didnt open this account and i am trying to repair my credit so i was willing to pay money that i didnt even spend.

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 2018-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I received a letter from Capital One explaining that they were closing my account due to a violation of my credit card agreement. Capital One failed to mention the violation I violated and when I contacted them, they failed to provide me with any information but informed be that I owed an outstanding balance of {$36.00}. I feel the reason they closed my account because they looked at my address and probably assumed the based on the area I lived in that I would not be able to afford or pay the credit card. Capital One have refused to respond to my letter and have not given any information over the telephone and refusing to return my security deposit for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
I went online on XX/XX/17 to get a loan for {$600.00} from Big Picture Loans. From my understanding I thought I would only have to pay {$180.00} once a month for three months. This would include what I took out plus interest. It was not until the next day the loan was deposited into my bank account that I was emailed the Big Picture Loans payment schedule and saw that I had to pay 12 payments of {$180.00} which add up to {$2200.00}. This is more than what I even borrowed from them. I called to verify and see how I could get out of it but they kept telling me that they would call me back. Other times the hold was so long that no one ever came on the phone. The customer service department has not been helpful. So, far I have paid {$1100.00} and very frustrated on the fact that I have more to pay back because of their very high interest rates. After, reading other people 's complaints I feel it is only right that someone looks into this place. I feel as though they are taking advantage of people. I hope someone can contact me back so that this matter can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME

Complaint narrative:
This complaint it to do with Carrington mortgage services LLC I have tried to do a loan modification with them Im on my sixth attempt they do not get back to me with information that they request when I call once a week once I submit the information they tell me what they may need I get it to them this last time the girl told me I need to submit a paper which I did the next day which I have a copy of they said because I did not re-submit all the other paperwork so it was all in order they refused three mortgage this is been a problem for almost 2 years now since I was injured at work I have tried to give them payment they sent back stating they would not except any payments toward my mortgage unless it was the entire amount I had not submitted since that point at the beginning of this process I feel I have gone above and beyond trying to get them they refuse to communicate with me when they find a problem as most banks would they do not communicate they just close the system out I am trying to get back on track I am back to work was looking to start making payments but they keep denying state and I am not giving them what they need when I do have proof I have given them everything that they have needed and have asked for I have made the phone calls that they have made no contact to me I was originally with XXXX XXXX XXXX they turned or sold the account to Carrington mortgage services I was in the process of loan modification with them when they turned it over to Carrington they said I had to go through the process again which I started and I did and they feel they communicate with me and XXXX closing the case out I am now on my sixth or seventh time attempting to do this and I was wondering if there is anything that the government can do because I find that this is a little bit on the ridiculous side when a mortgage company will not talk with you and tell you our assist in trying to get everything needed to get this done I do not wish for a foreclosure I have never had a problem until I was injured I am trying to Do all I can to get this back on track and get back to normal payments and get this caught up and paid off at some point in my life this company does not seem to want to work with me when I mentioned call them and try to get additional information of why they said things werent sent and I have proof that they were said they just did not get it and want to put it in their own process of organization I dont know what their issue is but I am falling further and further behind to the point where Im probably going to lose my home and less I get some help please if you need any additional information I will be more than happy to give it to you thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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:
I have had a XXXX XXXX credit card from Capital One since XX/XX/XXXX. Somebody stole my card number on or about XX/XX/XXXX. I reported it stolen to Capital One on XX/XX/XXXX.

There were four pending charges on my account. One, was from XXXX  which was never actually charged. The other three were from a flower shop in XXXX XXXX, CA called XXXX. These charges were for {$110.00}, {$110.00} and {$85.00}. These were formally charged to my card onXX/XX/XXXX. For some reason that no one from Capital One could explain to me, XXXX  also refunded two identical credits of {$44.00} to my account on XX/XX/XXXX.

I spoke to three Capital One fraud agents about this. The first was on XX/XX/XXXX. They told me that the first priority was that I be made whole and that all of the money that was improperly charged on my account should be refunded to me within 72 hours.

I gave it a week. Nothing happened. I called Capital One again on or about XX/XX/XXXX. This agent said I should have had all of my money refunded to me by now and that he did not know why it did not happen.

OnXX/XX/XXXX, Capital One then simultaneously refunded me the three charges of {$110.00}, {$110.00} and {$85.00} while additionally charging me three charges of {$110.00}, {$110.00} and {$85.00}. In effect, I was still charged the money that was supposed to be returned.

The last call was XX/XX/XXXX. The fraud agents name was XXXX. Her ID # was XXXX. She told me that everyone else was wrong and that it takes an entire billing cycle to fix this problem.

The billing cycle ended XX/XX/XXXX, approximately one month after I placed my fraud report. I paid the bill in full. No action has been taken to refund my money.

When you call the fraud line you have to talk to someone before being put through to a fraud agent. I asked the person who put me through to XXXX  on the final call to file a complaint on my behalf. He told me that he did ; although, I have not heard anything about it from Capital One. Each phone call with Capital One takes at least 40 minutes. I do not have time to keep calling them just to hear why they can not follow their own protocol.

I would like for XXXX XXXX to refund the money to my account or to send me a check for the money owed. The money owed is the difference between the three XXXX charges ( {$110.00}, {$110.00} and {$85.00} ) and the two XXXX credits ( {$44.00} and {$44.00} ). This equals {$220.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently My banking accounts where hacked and several loans online where opened, I have contacted the banks, obtained police reports and filed identity theft report. Most where removed except for one creditor. I provided them all the above documentation but they have not provided any verifiable proof of contractual agreement showing my signature. Credit report is payments are beng made but I haven't made one payment and they are contacting me trying to collect on an account opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently My banking accounts where hacked and several loans online where opened, I have contacted the banks, obtained police reports and filed identity theft report. Most where removed except for one creditor. I provided them all the above documentation but they have not provided any verifiable proof of contractual agreement showing my signature. Credit report is payments are beng made but I haven't made one payment and they are contacting me trying to collect on an account opened fraudulently.

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