vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I received an email notification from XXXX XXXX to inform me their has been some changed to my XXXX XXXX. I reviewed my account to check the status of reporting to my credit bureaus. In checking it was XXXX XXXX XXXX whom reported. I contacted XXXX XXXX XXXX XX/XX/XXXX in the morning to check the status of my reporting. I explained to XXXX XXXX my current financial situation. I informed XXXX I am a XXXX mother with XXXX whom have XXXX and XXXX. As well as I am living in a XXXX XXXX from XXXX XXXX  benefits and department of XXXX assistance. XXXX check her system to see what she could do to help me as informed me based on my current situation that she would close the account. I was placed on a hold where she check the system regarding my Comenity Bank debt. XXXX informed me that as of XX/XX/XXXX Comenity Bank is taking back their collections and she will not be able to help in closing my account my account based on my situation. I then asked that is they knew that this account was being transferred to XX/XX/XXXX as of XX/XX/XXXX why would they report it to credit bureaus? XXXX  responded by saying they will remove the report within 10-15 days the latest is 30 days. I cant stop crying as I also contacted Comenity Bank and was informed by the customer representative the account is in collections and they have nothing in their system that indicates it is being taken back. The representative advised me to call, email and leave a message for the debt settlement department through Comenity, which I have done by leaving a message to get a better understanding as to what is going. Most importantly why no has communicated with me about XXXX XXXX number just being sent to different agencies without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DE

Complaint narrative:
constant collections calls all day Numerous calls in one Day, its Annoying and Violates the FDCPA on Collection Call Harassment on A Predatory loan imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower does n't need, does n't want or ca n't afford. LOAN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear CFPB. 

I am terribly concerned about what XXXX has done to me and my credit score. Last year I had issues receiving my statements around XX/XX/XXXX-XX/XX/XXXX. I had informed the company of this and they had assured me that they were lost/stolen statements and I was not responsible for this one time issue. Fees were reversed and I was told my credit score and report would not be affected by this confusing situation and that my statements would now be coming. I even called to tell them later on in XX/XX/XXXXto inform them that i was now receiving them and was no longer having issues. Recently I checked my credit report and I was mortified to see that they had reported me late after I was continually told that this would not happen. To my surprise and horror they had lied to me and reported me 30-59 days late on all three of my credit reports for XXXX AND XXXX of XXXX!!! That is two consecutive months they reported me past due 30 days each and my credit had dropped nearly 100 points. It is beyond my comprehension how they have done this to me when I called and informed them in XXXX and XXXX that my statements were missing and I had no idea if I had a balance due and what that balance was. This is incredibly unfair and I am horrified to see that they lie to customers and would like them investigated for this. They are ruining my life over an unknown mistake an dI would please ask the CFPB to have them correct it. I am afford to speak to them in fear of being lied to again and this taking another stressful year out of my life. Please please help me!

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 2017-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/XXXX, I had a medical emergency in XXXX XXXX NV. As a result, I was admitted to XXXX XXXX Hospital. I have XXXX XXXX Health Plan, which requires a {$50.00} co-pay for emergency visits. I fulfilled my financial obligations and paid {$50.00}.
Since XX/XX/XXXX, I have been receiving monthly bills from XXXX XXXX Hospital and from their XXXX department, XXXX XXXX XXXX, XXXX PA. The initial bill of {$30000.00}. was paid in full by my insurance company, XXXX XXXX.
However, XXXX XXXX XXXX continues to send me an outstanding bill, in the amount of {$1600.00}.
I contacted XXXX XXXX department on numerous occasions. Each time, the XXXX XXXX department informs me to disregard all billing, and to discard any bills received. Yet, the bills continue. I filed multiple grievances with XXXX XXXX XXXX regarding the continuous bills I receive.
Now, this outstanding bill of {$1600.00}. is now in collections, which affects my credit rating score. This matter is between XXXX XXXX and XXXX XXXX XXXX, and should not involve me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Around XX/XX/XXXX I applied for and was approved for a Citibank Costco Visa card. On XX/XX/XXXX, I requested that my Citibank XXXX XXXX with the account number ending in XXXX be closed. At that time I tore up the card and discontinued it 's use. Please see the email attachment confirming closure of the credit card.
On or about XX/XX/XXXX I discovered that the card was not closed, and that a single recurring charge posted to the account. By the time I discovered the source of this charge, the card has been reported against my credit report as being over 60 days late twice.  Since the account was supposed to be closed, I did not monitor any activity on the card. I was not receiving any statements from Citibank either online or by regular mail. But this charge posted to the account and despite resolving this with Citibank.
I did receive a notice that I had a late payment on my credit card account. When I contacted Citibank, they pulled up my new Costco card and not the AAdvantage card  by mistake. They told me that the notice mailed to me regarding a missed payment was an error and to disregard. Again, since the AAdvantage account was supposed to be closed, that account was not checked. Had the Citibank representative practiced due diligence, they should have discovered the old AAdvantage account was not closed and the problem could have been resolved at that time.
This error has taken a significant impact on my credit. Citibank 's error dropped my credit score from and XXXX to a XXXX ( and at one point a XXXX ). I have been a Citibank customer since XX/XX/XXXX and up until this point I have never had a late payment with them. This late payment was not my fault. This late payment was due to CitiBank 's failure to properly close my AAdvantage account in XX/XX/XXXX. Had this account been properly closed, the single recurring charge would not have posted.

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 2017-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase has a 2 step verification process that includes texting a code to your cell phone as the second step. I no longer have the phone that I used when I first signed up with Coinbase and so my 2nd verification process is going to a phone number that I no longer have. I have tried on numerous occasions to log in, and then change my cell number so that this would be resolved. I was told that I had to have a Web cam in order to fix the problem, so I go out and buy a web cam and take a picture of both the front and back of my drivers license and then a picture of myself as well. That should be easy enough to do, but when I try to submit the pictures, I always get an error message. So I am still unable to log into my account. I have tried to contact customer service numerous times and have only had one response : " XXXX XXXX replied : Hi XXXX, Thank you for contacting Coinbase Support. 

Im very sorry for the difficulty completing the ID verification in order to recover your account. In order to complete account recovery, your ID must be uploaded by you into our system by webcam, along with a photo of your face ( a.k.a. a selfie ). Unfortunately this process can not be completed using the mobile app. 

If youre having trouble getting your upload approved, here are a few troubleshooting tips for uploading and verifying your ID : - Take the picture in a well lit area. Natural light works best. 
- Try to use indirect light for your ID to avoid glare - Use an up-to-date version of the XXXX browser - Clear your browser cache, restart the browser, and try again. 
- Wait 30 minutes between attempts If none of these steps help, please let us know and we will do our best to continue the troubleshooting process. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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:
Navient has taken my work number off of my co-signer release requested and continued to call my job to collect student loan payments. Further, navient has called my work and home phone number to harassing extents. Navient has incorrectly written payment reversals on my account to put my loan in default despite the money being debited from my account, and mislead me to believe a co-signer could be relieved. I submitted a co-signer release request which was denied despite having years of payments and sufficient income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXXl is reporting negative account information on an account that has been " PAID IN FULL '' that has been paid in full since XXXX/XXXX/2016. Ally has reported to all 3 credit bureaus stating this account for a XXXX XXXX XXXX is in a " LATE PAYMENT ' status as well as the account being " CHARGED OFF ''. This is conflicting information and is incorrect as this account should reflect PAID IN FULL with NO LATE PAYMENTS, it is not possible to show late payments or a charge off on an account that has a PAID in FULL letter along with a SIGNED TITLE by XXXX This has caused my to be in a crisis of almost loosing my house since I am not able to refinance due to the negative reporting from 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 explanation
Consumer complaint received 2017-08-30 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX is reporting negative account information on an account that has been " PAID IN FULL '' that has been paid in full since XX/XX/2016. XXXX has reported to all 3 credit bureaus stating this account for a XXXX XXXX XXXX is in a " LATE PAYMENT ' status as well as the account being " CHARGED OFF ''. This is conflicting information and is incorrect as this account should reflect PAID IN FULL with NO LATE PAYMENTS, it is not possible to show late payments or a charge off on an account that has a PAID in FULL letter along with a SIGNED TITLE by XXXX. This has caused my to be in a crisis of almost loosing my house since I am not able to refinance due to the negative reporting from 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 non-monetary relief
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My care credit account was charged for the wrong amount by my dentist. I disputed this amount and was advised by Care credit this will be credited. I called and spoke with several agents however I kept getting told this will be credited and the issue resolved. Care credit also enrolled me into one of their insurance plans where by they would make my payments if I was XXXX or became unemployed. It so happened I did become XXXX and later unemployed and provided all documents requested by care credit .I was getting charged a monthly fee for having this insurance to pay for my care credit account while I was XXXX and unemployed. Care credit did not pay a single penny towards my bill and the dispute was never resolved. Everytime I would call I would be told the account will be reviewed and no one would take ownership. Finally they sent my account to collections and I disputed the collections account too. The different companies my account went to never sent me any correspondence. I was able to obtain all this infor from Care credit after calling several times. Finally this account was sent over to XXXX XXXX XXXX XXXX XXXX and I requested a validation of debt letter. Till today this company has not provided that and has threatened me several tme that they will sue me and will make sure I lose my JOB. They served a letter to a XXXX person where I get mail and this letter was open. employees at the XXXX  store knew what the content of the letter was as well as it was handed over to them. I have called Care credit again and again and now keep getting told care credit has changed names and I am not able to obtain any information from then. I have to call the attorneys office who the debt was sold to. Care Credit sold this debt to a 3rd party and now I am been told by XXXX XXXX XXXX XXXX XXXX since they purchased this debt they are not obligated to provide a debt validation neither can I dispute this debt at all. XXXX XXXX XXXX XXXX XXXX advised me they will sue me unless I paid {$500.00} upfront and pay the balance in a lump sum. I am been charged for a debt that I do not owe nor can this debt be validated by Care credit or XXXX 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 explanation
Consumer complaint received 2017-08-30 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: NC

Complaint narrative:
I have disputed these two accounts twice XXXX XXXX and XXXX XXXX because they are not licensed to collect in my state they have sent report saying verified as accurate which mean they did not investigate these account correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: WA

Complaint narrative:
I received a letter from the collection agency Hunter Warfield on X/XX/2017 regarding a debt from XXXX XXXX XXXX. Before calling the debt collector, I researched the company with the Better Business Bureau website and learned about its unfavorable rating on account of its heavy-handed debt collections tactics. In fact the company has a reputation of taking " disputed rental claims from shady rental agencies and tries to intimidate consumers into paying disputed claims by threatening their credit. '' Armed with this information, I telephoned the account manager, XXXX XXXX, and queried him about the matter. I stated to XXXX XXXX, " How did the company gain access to a confidential address which is not listed on any credit report? ". Although he claimed the original creditor had furnished him with information, I called him out on such an audacious lie because no one had the address. I stated that I had accumulated the debt after a lengthy hospital stay and was in no position for repayment because of a debilitating medical condition which prevented me from working. XXXX XXXX neither wanted to provide any information about how the company retrieved my personal information nor wanted to provide any information to affirm the debt. 

I stated to XXXX XXXX that because the company may have violated provisions on the Fair Debt Collections Practices Act for using a third party to gain unauthorized access to a confidential address and unlisted telephone number. I stated to XXXX XXXX the collection agency had used the skip-trace method after an unauthorized third party had provided his company hired a private detective agency to supply personal information. He tried denying the situation ; however, I stated to the debt collector I knew my rights and therefore the company could neither employ shady business practices nor intimidation to cower me into repayment. 

I later learned Hunter Warfield retrieved my information from the screening company, XXXX, XXXX, which is listed on a formal housing discrimination complaint with the both the Federal and Washington State Office of Housing and Urban Development. XXXX, XXXX is a local tenant screening company in XXXX Washington that provides information on prospective tenants to landlords and rental companies. XXXX, XXXX provided personal information to the debt collector, Hunter Warfield, as a scare tactic to prevent me from moving forward with a formal complaint of housing discrimination. Also, XXXX, XXXX provided adverse information to all credit reporting agencies in direct retaliation for naming the company in a formal housing discrimination complaint, thereby limiting ability to rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear CFPB, I want to file a formal compliant against Capital One Bank XXXX XXXX. In 2016 I was having a lot of issues receiving my statements at my address and I had informed of this. We could n't figure out whether my statements were getting lost or stolen. I had informed them of my concerns and I was told that I would have no issues. The many times this happened I called in to make sure everything was alight and I was told nothing would be reported and my payments were made even though my statements were being delayed and missing. But sadly I noticed that in both XXXX and XXXX of 2016 they had reported me 30 days late, knowing my issues. I just ca n't understand why they would lie to me and tell me I would have no issues with my credit reporting and yet here they are. Unfortunately I am seeing this now and my heart is broken. This is not my fault, CAP ONE was in the know and please investigate this and please have them correct those two months that are showing me as past due. I ca n't understand why they would refund my fees and such and yet still report me even though their representative said I would not over lost/stolen statements. Since then my issues have resolved an dI would like to have this information corrected please, it has caused my score to drop tremendously and I am so very worried.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
EXETER FINANCE COMPANY Mailing Address Exeter Finance XXXX XXXX XXXX XXXX, TX XXXX Exeter Finance Payment Processing XXXX XXXX XXXX XXXX, TX XXXX Email Address XXXX XXXX XXXX  Customer Service Hours Mon. Thu. XXXX XXXX XXXX XXXX ( CST ) Fri. XXXX XXXX XXXX XXXX ( CST ) Sat. XXXX XXXX XXXX XXXX ( CST ) Customer Service Phone ( XXXX ) XXXX COMPARISON OF EXETER FINANCE AND XXXX XXXX STATEMENTS EXETER BANK DATE PAID XX/XX/XXXX extension XX/XX/XXXXOK XX/XX/XXXX OK XX/XX/XXXX extension XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ONTIME!! **XX/XX/XXXX ( credit report states late 30 days late should be OK ) paid {$500.00} XX/XX/XXXX XX/XX/XXXX extension ( credit report states late 30 days should be OK ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$970.00} for XX/XX/XXXX. and XX/XX/XXXX ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! **XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} )XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! **XX/XX/XXXXEXTENSION GIVEN!! ( 30 days late per XXXX credit report ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXXPer these figures and facts, there are 13 wrong 30 DAYS LATE per the credit report!!
Only 7 of the '30 DAYS LATE are actually correct. 11 are incorrect by stating 30 days late!! Considering these mistakes, how many other mistakes do you think are made??
Per phone call these are the EXTENSIONS GIVEN : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX

Company response to consumer: Closed with explanation