vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
The company states 4-5 business days and 7-10 business days ( depending on working holidays ) for transactions to complete. They state this time frame is due to the bank, not them personally. I purchased onXX/XX/XXXX. It almost immediately showed up as a pending transactions. It completed posting on the XX/XX/XXXX. 

At the latest, my funds should have been available on the XX/XX/XXXX. To this day, the digital currency is still being held and I'm unable to access or transfer it. 

I've reached out to the company 's email and phone. They claim a " specialist '' will contact me but never do and there is absolutely no timeline for when they will. It seems like they're mocking the fact they are holding my funds for no reason and there's nothing I can do about it. It's unbelievable. 

I've completed all forms of verification, including sending the front and back of my ID. I completed the instant bank verification. I even completed a smaller transaction during this waiting timeframe and it's cleared just fine. They completely refuse to help. Can you assist me please?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Turning Point Solutions LLC
State: GA

Complaint narrative:
this XXXX XXXX from XXXX XXXX XXXX has called me numerous time and uses a different number to call this last time it was XXXX and left a XXXX number for me to call I called him for the last time today and again he has refused to send me anything in writing about this debt he said I owed and each time he has called it has been a different amount. I f I am not mistaken the debt collector is suppose to send after 5 days a notice in the mail and I have yet to see one. that is all I am asking for and his threate of other legal action is not worth the paper it is written on because he is very rude and I get rude back at him. Simply send me something in written form and an address to write them back and I will work on settling this debt. In other words send me the notice and the correct amount if you are legit and I will proceed from there.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I financed a purchase through Best Buy in XX/XX/XXXX using my Citi Best Buy Card that I've had since XX/XX/XXXX. I have not used the card in years. Last month, while reviewing bank account charges on my account personal account, I noticed 4 'auto debited ' checks that were made to Best Buy. When I called the number listed next to the charges, Citi indicated that the were debt protection charges. I told them that I did not agree to debt protection, and requested that they cancel the subscription to the service and refund my money. Citi responded that the refund would take a few weeks to process. I then went and noticed the same changes in XX/XX/XXXX. I waited a month to see if the refund was processed. I logged in and noticed that Citi emailed a pdf letter stating that the charges were from a service I purchased in XX/XX/XXXX. I immediately call Citi and stated that I never purchased any debt protection, nor did I agree to it. I also stated that I haven't used the card in years and requested to speak to a manager. Citi indicated that this was an issue with the 3rd party and refused to discuss it with me. I noticed online that this has happened to many people. I never agree to any debt protection service, nor did I purchase debt protection. This is completely fraudulent on Citi 's part.

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 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation no knowledge of the fraudulent XXXX XXXX appeared on my Experian credit report. FTC ID Theft Report # 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 2018-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Wednesday XX/XX/XXXX, I used Chase 's Quick Pay feature to send {$350.00} to a woman named XXXX XXXX. 

Unfortunately, Chase did not send the funds to XXXX, but instead to another person who stole my money and did not return it. 

I reached out to Chase and explained the situation, I opened a case of fraud ( Claim # XXXX ) They said they would investigate further. They initially gave me a credit, but then reversed it and said because I authorized the transaction, they were not responsible for delivering my funds to the wrong person. 

After escalating multiple times, they would not return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Parents died left the property behind for me the son and the grandkids. Parents had asset protection which protected us from having to probate. Funds that were available three this insurance was given to Ocwen. I was then instructed to provide proof of homeowners insurance, due some maintenance to the front tree. I completed the loan paperwork and never received documents explaining I was denied and for what reason. Then I had a lady come to the property telling me she bought the property and if we would accept money to get out as soon as possible. I contacted Ocwen and was told that they sent documents to this address and couldnt tell me if they addressed them to me or to my deceased parents. I was basically told I couldnt do anything but get out because the property has already been sold. I want to file a complaint towards Ocwen for the illegal approach they used to take the property that my parents worked hard for and if theres anything I could do to keep my property or get compensated for all my loss. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Yes I've always been on time with my Walmart credit card. But i lost my mom. And going thru hardship. Was mom 's caregiver for 5years now. Si going thru moms bills and stuff plus my own bills. Hoping too get payment waived for this bill comming up. Just trying too catch up on bills not easy.

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 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
ShellPoint Mortgage has known that we have equity over $ 200k on our house since we defaulted on the loan. We tried to come to agreement with them on several occasions but they wanted us to come up with the full amount upfront. Because of that we ended up putting our house on the market and the same time they placed a notice of trustee sale. After getting an offer accepted Shellpoint refused to postpone the Trustee Sale unless we paid in full. We had to submit a complaint through the CFPB in order for them to postpone the trustee sale at the very last minute. After a month of escrow and as our closing date approached, the escrow company contacted Shellpoint mortgage to request the payoff amount. After multiple failed attempts I had to get involved and Shellpoint mortage informed days prior to closing that they couldn't give the escrow company the pay off amount unless they were authorized to do so. This has been super frustrating as they have known for weeks that we were due to close on XX/XX/XXXX. On Monday XX/XX/XXXX I contacted Shellpoint again to request the pay off and I was told that they would provide the escrow company the amount within 48 hours. Two days went by and the escrow company had not received the figures. I called again and spoke to someone who told me it would take them till Saturday the XXXX to get those figures. I told them the closing date was the XXXX and I was given multiple excuses including that their systems were down. I'm so frustrated by the lack of cooperating by this company. It seems as if the only option for them was foreclosing on my property and collecting all the fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have an account with XXXX Bank / Care Credit. It's a credit card used solely for medical and dental finance. I've had my account since XX/XX/XXXX. I make payments of {$45.00} each month. All payments have been made on time as of XX/XX/XXXX. In XX/XX/XXXX I made payment of {$45.00} by phone using their automated payment system. Payment due date is XXXX of the month. The week of XX/XX/XXXX XXXX I started receiving collection calls. The bank claims I was late and would be charged a {$40.00} late fee. I spoke with an offshore customer service person who gave me the reason for the collection calls. I told her how can you assess a late fee when I paid well before the due date. She said it's their policy. This has to be bank fraud as I was not late. I will include a screen shot of my bank record. The bank has increased my balance which should not be allowed. I did research on XXXX. This company also know as GE Capital has a history of abuse to its account holders. They should be censured by the federal government.

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 2018-05-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I sent all credit bureaus my identity theft reports with all fraud accounts attached told them I am a victim of identity theft. multiple unauthorized accounts opened in my name to be ignored and told to contact the furnishers. my police report # XXXX. I have also sent all information to the FTC. I have been provided with no contracts with signatures from any of these creditors or the credit bureaus showing how they believe this information is valid. These are not my accounts & I am not comfortable calling companies I have no business with this is preventing me from even renting a house. they have also been theft reports I demand this information removed & each company to send me the documents used for validation with legal signatures ( no print screens ) of bills I have no knowledge about

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 2018-05-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I sent all credit bureaus my identity theft reports with all fraud accounts attached told them I am a victim of identity theft. multiple unauthorized accounts opened in my name to be ignored and told to contact the furnishers. my police report # XXXX. I have also sent all information to the FTC. I have been provided with no contracts with signatures from any of these creditors or the credit bureaus showing how they believe this information is valid. These are not my accounts & I am not comfortable calling companies I have no business with this is preventing me from even renting a house. they have also been theft reports I demand this information removed & each company to send me the documents used for validation with legal signatures ( no print screens ) of bills I have no knowledge about

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed an Identity Theft Report with the FTC # XXXX because neither Equifax nor XXXX will provide validation or verification of identity. I have tried numerous times with certified letters to get this resolved with both Equifax and XXXX but it continues to report false and incorrect information on my credit report and keeps sending me documentation with inaccurate data showing it belongs to someone else. I have also had a fraud alert placed on my credit reports until this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: TX

Complaint narrative:
CRA violation no knowledge inaccurate XXXX XXXX XXXX and Inquiries that I did not authorized appeared on my Experian credit report.

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 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
For some reason my XXXX XXXX XXXX and my XXXX cards thats in good standings is not reporting on my report my husband added me on to his account and XXXX, Equfax and XXXX XXXX is not reporting both cards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2018 a collection account was placed on my credit reports ( XXXX and XXXX  ) for a XXXX XXXX c/o Resurgent Captial Services XXXX XXXX XXXX XXXX, SC XXXX for {$6500.00}. I have not received any written notification about this debt to verify it or any written notification of right to dispute this debt. I have sent letters to both credit bureaus and a certified letter to XXXX XXXX c/o Resurgent Capital Services requesting validation of debt. I have not received any response. I have tried contacting XXXX XXXX about this debt directly but they have gone into bankruptcy and are no longer in business. I have attached copies of the letters and information I have collected. I have attached copies of numbers and addresses for XXXX XXXX I have used to contract them via the Texas Secretary of State licensing website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: FL

Complaint narrative:
I have a collection account being reported on 2 of my credit reports by XXXX XXXX. I sent XXXX XXXX a letter and mailed it certified letter return receipt # XXXX on XX/XX/2018, which they received and signed for on XX/XX/2018. To date, XXXX XXXX has not responded to my written request nor provided me with any validation for alleged debt. I have been forced to file an Identity Theft Report - Report # XXXX with the Federal Trade Commission because XXXX XXXX is reporting this false debt on my credit reports and has not complied with the law regarding 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 non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: U.S. BANCORP
State: OH

Complaint narrative:
I just applied for a home loan ; joint with my husband. My Credit Score info : " Your credit score is not available from any consumer reporting agency, because they may not have enough information about your credit history to calculate a score '' I have always had an excellent credit score, but last checked it about 6 months ago with XXXX-free with my credit card account. I have a home & auto loan in my name, as well as several revolving charge cards- all with excellent credit history. 
I went to the XXXX site last night, I could not log in, I went to US Bank, " no  information is available at this time ''. I am sick to my stomach as what has happened?

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 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital one, the debt was a charge off effectively terminating any contract that was there. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
contacted company to explain that this was not my debt after receiving dispute document requesting information about the account that I could not answer as it is not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
OnXX/XX/XXXX I filed a complaint with XXXX XXXX for supplying inaccurate personal information to XXXX, the company that provides a Mobile banking product to my bank. Because of the inaccurate information, I am unable to access my banking accounts through mobile banking because through their stepped up authentication process I can not answer their questions correctly because of the inaccurate information they provided. After multiple calls to Lexis Nexis I finally received a written report with their compilation of public record and non public record on XX/XX/XXXX. I called Lexis Nexis today to ask them to remove the inaccurate information and they refused. I called the number published on the report ( XXXX ) XXXX-XXXX and spoke with XXXX. This is causing me consumer harm as I can not access my accounts through mobile banking, nor make mobile deposits. One of the accounts I have is a rewards checking account that requires me to log on once per month. If I am traveling without access to a computer I can not meet the account product requirements because I can not used my mobile phone to log on..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Financial Asset Management Systems Inc
State: TX

Complaint narrative:
I called FAMS about my payments after speaking with Department of Eduaction and them telling me that FAMS is a fraudulent company. I asked Dept of Ed. to stay on the line while I called FAMS. When we called the representative from FAMS was very hostile when I explained I wanted to get answers regarding my account and was belligerent with Dept of Ed. rep. Dept of Ed told me to contact XXXX and told me this company probably was not reputable and to do further investigation. I called with XXXX who said they hadnt heard of company so again I asked if they would call on the line with me and received the same hostile response from representative when XXXX asked them about my account. After further investigation I found my account was with the defaulted private section of XXXX. FAMS was of no help with this they simply screamed I needed to settle the account when I tried to resolve if they were a reputable company Ive been paying. Both representatives from XXXX and Dept of Educatin were just as appalled as I was after the conversations were derailed into FAMS being unprofessional with answering simple questions about 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 2018-05-17 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: FL

Complaint narrative:
I have a collection account being reported on my credit reports by XXXX XXXX. I sent XXXX XXXX a letter and mailed it certified letter return receipt # XXXX on XX/XX/XXXX, which they received and signed for on XX/XX/XXXX. To date, XXXX XXXX has not responded to my written request nor provided me with any validation for alleged debt. I have been forced to file an Identity Theft Report - Report # XXXX with the Federal Trade Commission because XXXX XXXX is reporting this false debt on my credit reports and has not complied with the law regarding 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 non-monetary relief