vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My wife and I both have checking accounts with Citibank. Citibank freeze our accounts for no reason. They do n't have office near my home. I call Citibank and sent letter to Citibank center. But they refuse to unfreeze our accounts. We have total {$3200.00} in the 2 accounts. Please help us to get our 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 2018-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
The bank is scrambling my accounts. On XXXX XXXX I had a {$68.00} overdraft. I deposited {$88.00} to cover it so I wouldnt accure any fees. After this deposit I had a balance of + {$19.00}. On XXXX XXXX my account showed {$180.00} overdrawn. Some items that had been paid on the XXXX ( XXXX   XXXX XXXX {$99.00}, XXXX XXXX {$58.00}, XXXX {$17.00} and XXXX {$16.00} ) were now pending with overdraft fees attached to them and new charges ( XXXX {$10.00}, XXXX {$35.00} ) which came on the XXXX were paid. Even the dates all had been changed to the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I keep getting calls from XXXX ( XXXX ) XXXX. Multiple times a day, all times of day. They keep calling to my work line. Whenever I pick up, they hang up immediately, but still continue to call throughout the day. I finally called back to find out it was a number associated with BMW financial. I do not own a BMW, and have been at this same work line for over two years. This is the first time I have gotten calls from this number. I finally was able to speak with somebody around XXXX on XX/XX/XXXX to ask them to take me off of their list. I explained that this is a work number, it is my direct line, and I have nothing to do with a BMW, and never have. I asked them to quit calling me, and again told me to take them off their list. They said my direct line is associated with an account they have. I explained to them that there is some sort of mix up, and that somebody gave them a wrong number, and they need to quit calling as this is a business line, and the person they are trying to contact is not at my work line phone number. She said they would make a not on the account. I asked to speak to a manager and she said she did n't have one. 

I came into my office this morning, and low and behold there were another two missed calls from the same exact number XXXX, from XXXX XXXX the night before. After I spoke to the person that said she would put a note on the account. Please stop these calls, this is a business line and incredibly unprofessional to be harassed constantly with these phone 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 2018-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
To whom it may concern, I made a SEPA bank transfer of XXXX euros on XX/XX/XXXX to Coinbase and I forgot to put the reference code in my bank order, so my money has been credited on Coinbase bank account but not credited on my coinbase account. 

I contacted their support onXX/XX/XXXX and explained my case. Since then I did not received any decent response and solution in order to get a reverse bank transfer. 

I think this is unbelivable to wait that long for just a simple customer support and with absolutely no transparency on the process. My request is involving a huge amount of money, this is insane to have no real support. My case at coinbase is # XXXX. 

The Customer service is terrific, I feel absolutely unsecured with them. I hope the Consumer Financial Protection Bureau can help me. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In checking information on Equifax 's " XXXX XXXX XXXX '', I discovered and address, XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I have never lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
We recently sold our home which started out as XXXX XXXX XXXX, now PNC. We received a refund check for pmi insurance for {$560.00}, but could n't cash it because it was in the banks name. Several phone calls they explained that was a bulk check and we were getting {$6.00} back from that. I have the original documents signed when I bought the house, and it shows for PMI insurance my maturity date is XX/XX/2017. That probably was correct except I opted to do the twice a month payment when I got the loan. Because of that I was at 53 % at closing. Well below the 78 %. I know what it shows by what I signed, but the numbers do n't lie. 53 % is 53 %. PNC is standing by what is signed not actual numbers. According to the HOMEOWNERS ACT Any loan modification shall payment schedule should be recalculated.mine obviously was not? I have been in contact with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent several letters to Equifax and XXXX requesting for them to remove the reporting of Bankruptcy on my credit file. I have sent letters to the Courts and they have advised me they do not report to the credit bureaus. XXXX has already deleted this information upon my request. The bankruptcy was filed in XXXX and dismissed in XXXX. These credit bureaus have purchased from my information from a 3rd party company such as XXXX XXXX without my permission. This information should be deleted. I have sent 3 certified dispute letters each to both XXXX and Equifax on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they keep coming back saying Verified which is in violation of the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XX/XX/2018 the amount {$1400.00} I sent a dispute through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Toyoyta financial Refuses to remove a charge off account from my credit Report for XXXX I filled out a id theft afadvat and filed a police report as well I do n't own a balance and my old address is XXXX XXXX XXXX XXXX nj XXXX not my current adresss of XXXX XXXX XXXX XXXX XXXX that this fraud debt is being reported under

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent several letters to XXXX and Experian requesting for them to remove the reporting of Bankruptcy on my credit file. I have sent letters to the Courts and they have advised me they do not report to the credit bureaus. XXXX has already deleted this information upon my request. The bankruptcy was filed in XXXX and dismissed in XXXX. These credit bureaus have purchased from my information from a 3rd party company such as XXXX XXXX without my permission. This information should be deleted. I have sent 3 certified dispute letters each to both Experian and XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they keep coming back saying Verified which is in violation of the Fair Credit reporting act.

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 2018-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
once again citizens bank has charged my account an an overdraft fee that should not apply. I find my experience with Citizens bank exhausting. Upon looking at my account this morning I discovered I had been charge 2 over draft fees equaling XXXX dollars on 2 transactions one dated XX/XX/18 a transaction went thru for XXXX wich left my account with XXXX cents my second transaction which posted latter that night from XXXX for XXXX. XXXX left me negative XXXX cents but citizens charge me for 2 over draft fees Maybe some one should start looking into this bank. Something seem very shady about all of this. It has been becoming a job to make sure my own bank is not over charging me for fees someone please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: Conn's, Inc.
State: TX

Complaint narrative:
I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX  regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) Conns ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) XXXX XXXX XXXX XXXX ( someone stole the car ) And XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX  regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) XXXX ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) XXXX XXXX XXXX XXXX ( someone stole the car ) And XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XXXX-18 I received 2 phone call from synchrony bank TJX rewards. On the second call I answered. In this conversation I had to ask what company she was with three times because she would tell. She falsified release of information and documentation on the account. She removed information from the account and when requested to speak with a supervisor she went silent and never transferes the call. I waited about 5 minutes to ne transferred and continued to ask " am I being transferres to the supervisor? ", no response but I could hear whisper and random noises. 

About an hour later I called Synchrony bank TJX rewards back, got a gentlemen who was unable to pull my records by phone. I was forced to release my social security number for my records to be pulled. I explained the situation and he stated no notes from prior conversation that day ; another example of falsification. I requestes to speak with a supervisor and he transferred me to XXXX XXXX who updated my phone number back into the system and verified my information synchrony bank has. She explained that they would look into the situation. I dont believe this matter will be reviewed and handled as she states. 

I had called in last week and advised of my situation and what my plan is. Ive made arrangements and advised them that I am aware that my credit could be impacted. 

I would like a full investigation done on this matter. Per my cell phone recordings this conversation took place on XXXX-18 at XXXX. PST. Please pull the recordings and listen to the conversation with XXXX and dont rely on the company to do their due diligence on the matter. 

I feel that I am being harassed, threatened, misled, & abused by Synchrony Bank TJX Rewards. This  is a serious matter that needs to be addressed.

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 2018-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
A Stipulation Of Discontinuance was filled on XXXX XXXX, XXXX in XXXX  XXXX XXXX Civil Court after 3 years of litigation and the Plaintiff failed to convince the court that I was responsible for the credit card debt that I knew nothing about. The statue of limitation has far expired. 
The Plaintiff surprisingly started another court action in New Jersey and used many illegal methods to obtain judgement. 
Claiming that I made a XXXX payment in XXXX - never made any payment. 
That I failed to respond to their discovery - Never received it. The signature presented in court was not mine. 
The debt in question is over 10 years. 
The court denied my application for Reconsideration on XXXX XXXX, XXXX without considering the points raised above or allowed any hearing.

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 2018-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Made a wire transfer on XXXX XXXX to the company funds still not available in the account I have with them. Only automated responses from customer service last one was on XXXX XXXX. Asked my bank to initiate a wire recall but they cant get in touch with the company either. Would like the funds either in my account with them or reversed to my bank account as soon as possible. Case number with the company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
To whom it may concern,I have been extremely patient in attempting to work with Coinbase on many occasions (over 2 dozen phone calls and over 2 dosent emails).  My main issue in particular is the fact that my wire transfer was rejected for some reason back on XX/XX/XXXX and it said my name did not match the name on my bank acct, however this is false (I have bank wire document proof showing my name is accurate).  I received an email from Coinbase back on XX/XX/XXXX stating that "please allow us 7 business days for processing wire" back to me.  As of today it has been 28 business days (42 total days) and I am still missing $XXXX of my hard earned money.  I am asking for your assistance in getting the funds back to me.  I have called many times and never get solid information other than it has been escalated and someone will get back to me.  Based on their original "wire reversed" email it is now past the promised deadline for my money back to me.  I need assistance asap as this is a lot of money for me.  On XX/XX/XXXX I received an email from “XXXX” saying that all delayed wire transfers were in fact issued back to customers and I should have it within a few business days and he was closing my case in satisfaction, however weeks later and still no funds back to me in my Acct.  My case # that XXXX responded to is “XXXX”.  I need my issue reopened ASAP and need my money returned to me. I have all necessary proof from my bank regarding the wire if needed to be presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: NJ

Complaint narrative:
XXXX XXXX Refuses to remove a charge off account from my credit Report for XXXX I filled out a id theft afadvat and filed a police report as well I do n't own a balance and my old address is XXXX XXXX XXXX XXXX nj XXXX not my current adresss of XXXX XXXX XXXX XXXX XXXX that this fraud debt is being reported under

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX Refuses to remove a charge off account from my credit Report for XXXX I filled out a id theft afadvat and filed a police report as well I do n't own a balance and my old address is XXXX XXXX XXXX XXXX nj XXXX not my current adresss of XXXX XXXX XXXX XXXX XXXX that this fraud debt is being reported under

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 2018-01-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
it was rent they said I owed, I paid amount of XXXX which I paid in two payments, which they I would be reported if not paid, this was in 2014, they did take out the correct one.i saw now they have someone elses debt showing on my XXXX and XXXX report showing I owed them such a big amount of XXXX. I call spoke to a guy call XXXX, he found it was wrong and it still shows. I need this corrected. I am so embarrassed, I been tryong to correct this. I don't get any where with them. The co- I Q DATA INTERNATIONAL, XXXX XXXX XXXX, XXXX XXXX WA XXXX XXXX # XXXX. PLEASE I NEED THIS CORRECTED. I hope you can help me. thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
When I went to make a check card purchase on XX/XX/XXXX at XXXX XXXX my debit card was declined even thought I had adequate money in my checking account with Suntrust.   After calling Suntrust I was made aware that my card was blocked and canceled in which I was issued a new card due to a dispute I made with Suntrust on a particular charge.  I wish they would have made a better effort to let me know this but nonetheless no issue I waited on my new card.  I started calling all of my auto draft accounts that were linked to the old card that was blocked and canceled to change payment method...  I only came to find out that on XX/XX/XXXX and XX/XX/XXXX they processed all of these transactions even though the only access to my checking account was thru my bank debit card which was blocked and canceled.  Now some of my auto drafts did not get processed but the ones that did cause a massive overdraft situation with a total of $XXXX in overdraft with 15 overdraft charges.  I called my branch on XXXX XXXX XXXX in XXXX and she said even though my card was blocked they still had access to my checking account...  This makes absolutely no sense since these merchants did not have my routing number or account number and only had my debit card numbers which if I would try to use would be declined.  I am looking for relief from the ridiculous $XXXX of overdraft charges to be credited back to my account.

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 2018-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
In XXXX 2017 I received a loan offer in the mail from Big Picture Loans. I was in a bit of a financial rut so I decided to contact them to get a {$900.00} loan. While speaking with their Representative, it was pretty easy to get the loan and all I had to do was give them my bank account info and I was quickly approved. I was given very little information as to how many payments I would be making or how much my interest rate would be. Once I received the loan, I created an online account to view my payment history, payoff amount, etc. It was there that I found out that I would be paying {$190.00} bi-weekly ( {$400.00} a month ) with an APR rate of 545.69 %! So in the end, I would wind up paying {$5000.00} on a {$900.00} loan!! To date, I have paid roughly {$1600.00} and the majority of it is just interest. I contacted them about the payoff amount and the amount was always just about {$1000.00}, so I would never even get close to paying it off. Every time I did speak to someone I would get the run-around. I decided to XXXX this company, which I should 've done so from the very beginning, and it seems I was n't the only one getting charged these astronomical rates for such a small loan.

Company response to consumer: Closed with explanation