vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 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 — Problem with personal statement of dispute
Company: AES/PHEAA
State: TN

Complaint narrative:
I originally disputed late payments. I ended up sending goodwill letters asking for late payments to be removed to American Educational Services. Now on my reports its says that i am still disputing, which I am not, after resolution. I sent letters saying I am not disputing and to remove statement several times off my credit reports to the credit bureaus and AES with no response. I would like the statement removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX is attempting to collect a total balance of {$300.00}, as of XX/XX/XXXX from my XXXX credit card account. I had previously reported my XXXX card lost/stolen to XXXXXXXX XXXX and requested the card be closed. XXXXXXXX XXXX failed to close the account and the card was used fraudulently. I contacted XXXX again and disputed the charges. XXXX closed the account at that time, but left the charges owing. The account was then purchased by XXXX XXXX XXXX XXXX. I called XXXXXXXX XXXX  to get this resolved, but they were not able to do anything. I advised XXXX XXXX XXXX XXXX and filed two disputes forms with them to get this resolved. Unfortunately, they have failed to resolve this matter. I do not know the exact date the XXXX card was lost/stolen or the date I first reported it to XXXXXXXX XXXX. The last time I made a purchase on the card was in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX Coinbase sent me an email stating that it would be closing my account for violating its terms of service. It did not say what part of the TOS I had violated. Coinbase then froze my account, and allowed me to withdraw my cryptocurrency assets only by using a tool on the Coinbase website. However, I was unable to withdraw {$7700.00} in US currency using the online tool. The only option that the online tool gave me for withdrawing the funds was a XXXX XXXX account that I had linked to Coinbase some months ago. By XXXX, however, that XXXX account had been closed for several months. Because my Coinbase account was frozen, I was not able to use the Coinbase website to add an new bank account to receive the frozen funds. 

I pointed out this problem to Coinbase on XX/XX/XXXX, the same day that I received the account closure notice. In a phone call and email I asked Coinbase to simply return the funds to the same account from which I had wired them into Coinbase -- a XXXX XXXX XXXX XXXX XXXX account in my name. On XX/XX/XXXX I received an email reply from Coinbase customer service stating : " Ive just checked your account and can confirm that your request has been properly escalated. Once your request is cleared, well be sure to follow up. '' By XX/XX/XXXX I still had not received my funds, nor had Coinbase provided any additional explanation for the delay. I again wrote to customer service asking for an update and explanation, but to date ( XX/XX/XXXX ) have not received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affiliated Acceptance Corporation
State: TN

Complaint narrative:
XXXX XXXX sent out a flyer advertising their services for {$9.00} per month. I went to their place of business and they produced a contract for me to sign. When I got home I looked the contract over and found they were going to charge me {$19.00}. The next day I called them and told them I did not want their services and wanted to cancel the contract. They wanted to know why and I said they were charging me more than the advertisement stated. They told me I did not qualify for the ad prices and I could not cancel the contract. 
I then started getting a bill from Affiliated Acceptance Co. I sent them a letter and told them I did not owe this bill. I still received numerous bills for the contract I signed with XXXX XXXX. They have called me and I told them not to call me again. They are still calling me. I sent a complaint to the XXXX and they sent me a letter stating they tried contacting the company but they did not answer them. I filed a complaint with the credit bureau and the investigation and removed them from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was attempting to make a purchase for a pair of concert tickets totaling {$340.00} dollars on XX/XX/2018 via XXXX. The seller then says he can transfer the tickets from his XXXX account to mine and I can pay him with XXXX/online banking. I explained to him I never used it and when the seller mentioned it was a service through my own bank, I felt comfortable sending the money thinking my bank would help me out in case something goes wrong. I completed the transaction and sent the money out. Once that was done the seller texts me telling me that they will send the tickets ASAP but nothing was ever received. I tried calling, text messaging over and over but no reply, no answer. I immediately called my bank ( USAA ) in attempt to dispute it and report fraud/scam but they couldn't help me. They said they would look into it and get back to me in 5 business days or so. Based on my research, I looked up this seller and found out that these guys have been doing it all around my neighboring cities. Same post, same description with all the same information scamming all kinds of folks. It wasn't until I researched this seller up the next day to find out other people have already been scammed by this same seller. I an addition to that, never knew that there is no protection by USAA or XXXX on this type of transaction and I find that completely unfair. They fail to disclose that this service is only to be used among family. I really need your help to recover my money as this is FRAUD all across the board and feel like I have no support. Hope I get help in this matter and recover my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I originally disputed late payments. I ended up sending goodwill letters asking for late payments to be removed to XXXX XXXX XXXX. Now on my reports its says that i am still disputing, which I am not, after resolution. I sent letters saying I am not disputing and to remove statement several times off my credit reports to the credit bureaus and XXXX with no response. I would like the statement removed.

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 2018-08-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I originally disputed late payments. I ended up sending goodwill letters asking for late payments to be removed to XXXX XXXX XXXX. Now on my reports its says that i am still disputing, which I am not, after resolution. I sent letters saying I am not disputing and to remove statement several times off my credit reports to the credit bureaus and XXXX with no response. I would like the statement removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I originally disputed late payments. I ended up sending goodwill letters asking for late payments to be removed to XXXX XXXX XXXX. Now on my reports its says that i am still disputing, which I am not, after resolution. I sent letters saying I am not disputing and to remove statement several times off my credit reports to the credit bureaus and XXXX with no response. I would like the statement removed.

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 2018-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
After Hurricane XXXX XXXX ( servicing for VA in PR ) offered the Disaster Relief for the months of XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They didnt tell me that I had accruing interest on my loan since the past VA ( servicing ) XXXX Mortgage. At the time of the Disaster Relief option they did not tell any rulings of repayment. I keep calling and follow up the situation and without notification they affect my credit score and put my loan indiscriminate on default. 
I call and I talk to a BPPR representative to do pay by phone payments since XX/XX/XXXX thru XX/XX/XXXX but they never said that they received any keep a portion unapply to my loan. 
The numbers cause that supposly I have {$13000.00} in default even that I pay my monthly mortgage payment of $! XXXX. 
BPPR as servicer for you as qualified mortgage in VA are not in compliance with the CFPB mortgage rules. 
I need your help because as a retired VA I deserved my rights protected and stop living with all this anxiety not only for the financial issues and family inestability cause for this situation.

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 2018-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
From XX/XX/XXXX XX/XX/XXXX, I was granted a forbearance plan as result of Hurricane Irma and have successfully completed a disaster relief loan modification. Just having reviewed the recent loan activity history shows that the previously suspended payments have been applied and loan is now current. However, on XX/XX/XXXX, principal was added back to the loan in the amount of {$1500.00}, and the maturity date was extended by 6 months from XX/XX/XXXX to XX/XX/XXXX. If the forbearance was only for 90 days, then I would only expect the loan to be extended by the same amount of time. 

The purpose of the letter is to obtain written clarification for how the {$1500.00} amount was determined, and full summary of the all amounts to be paid from this loan modification. Based on the updated amortization scheduled, I will end up paying an additional {$7500.00} for that 3 months of forbearance. Despite reaching out numerous times during this process, none of this has ever been satisfactorily explained

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING JEWELERS, INC.
State: CT

Complaint narrative:
XXXX XXXX is reporting that i owe them XXXX for a account tht is not mines a rep called me the other day and stated that they had some one coming out to serve me with papers. Yes i  had a XXXX XXXX card that was closed out in good standing this account was open durning the time in which i already had an account so why open up another account.i wish to have this account removed they are reporting negative information on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC
State: PA

Complaint narrative:
I sent this Debt Buyer a dispute letter via certified mail. They signed for it and have not responded or provided proof of the alleged debt they claim i owe. I also did some research on XXXX XXXX XXXX XXXX and it turns out that they are NOT licensed in the State of Pennsylvania to collect on Auto Deficiencies. They do have a license as a debt collector but not the state specific license to collect on Auto Deficiencies. They have violated the FDCPA by collecting on a debt they are Not licensed to. They also have not provided any proof of this alleged debt which is false and misleading. I have already consulted with a consumer protection attorney.

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 2018-08-29 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: DE

Complaint narrative:
My account with XXXX XXXX Bank was closed and the balance was sold to XXXX XXXX in XXXX of XXXX. 
XXXX XXXX Bank stopped reporting late payments in XXXX of XXXX. 
XXXX XXXX began reporting as a collection account in XXXX of XXXX. 
XXXX XXXX began using XXXX XXXX XXXX XXXX for their collections at an unknown time. 
I began making bi-weekly payments of {$60.00} to XXXX XXXX XXXX XXXX on XX/XX/XXXX to pay the balance. 
o Paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has updated my credit report monthly to reflect the balance decreasing. 
XXXX XXXX Bank added a FAILURE TO PAY to my credit report for XXXX of XXXX. 

XXXX XXXX Bank NO LONGER OWNS THE DEBT and should not be reporting a new late payment more than 3 years AFTER the debt was sold. I am making payments to the company that owns the debt. 

To date, they still will not correct my report to remove the late payment in XX/XX/XXXX for a debt they do not even own.

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 2018-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I placed a order on " XXXX '' on XX/XX/XXXX and I selected ; the option for " 3 easy pay '' installments. I never, knowingly consented for " XXXX '' to pull my credit report. I talked to " XXXX XXXX '' sales engineer yesterday, evening Tuesday, XX/XX/XXXX, when he asked for my social security number to run my credit report. I told XXXX, NOT to run my report and I will call him back today ( XX/XX/XXXX ) once I decide how I wanted to proceed with this order. I checked my credit today ( XX/XX/XXXX ) and my credit was pulled without my consent. I never gave " XXXX '' my social security number to even check my info. 


Credit Pulled From : XXXX XXXX. 
Phone : ( XXXX ) XXXX x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN 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 2018-08-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I placed a order on " XXXX '' onXX/XX/XXXX and I selected ; the option for " 3 easy pay '' installments. I never, knowingly consented for " XXXX '' to pull my credit report. I talked to " XXXX XXXX '' sales engineer yesterday, evening Tuesday, XX/XX/XXXX, when he asked for my social security number to run my credit report. I told XXXX, NOT to run my report and I will call him back today ( XX/XX/XXXX ) once I decide how I wanted to proceed with this order. I checked my credit today ( XX/XX/XXXX ) and my credit was pulled without my consent. I never gave " XXXX '' my social security number to even check my info. 


Credit Pulled From : XXXX XXXX. 
Phone : ( XXXX ) XXXX x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by CBNA/Best Buy of a fraudulent application submitted with her information without her consent in the name of XXXX XXXX. An official dispute of this application was mailed certified with return receipt to CBNA/Best Buy, XX/XX/2018. As of this date CBNA/Best Buy has failed to remove the information and have not provided any information concerning the investigation into this matter, this inaction is a violation of FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I returned the lease vehicle to the dealership on XX/XX/18 and received a vehicle return receipt ( attached ). GM Financial did not properly input the return into their internal system resulting in an inaccurate reporting of delinquency on my credit report. I've contacted them numerous times and am being told the error is being corrected and delinquency remarks are being reversed. The company is taking an excess amount of time to correct my report ( more than 60 days ) resulting in penalties to my credit score and open trade lines both being reduced. I believe this is a violation of the FCRA and am at the point of taking legal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I went to make a payment online on XX/XX/2018 for a future date and was unable to do so. I was unable to pick my payment date. However I can pick my payment date wheh I call and speak to someone in collections. I did go ahead and call and make a scheduled payment for XX/XX/2018. I addressed this with the customer service rep and was told that's just how it is at Wells Fargo.

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 2018-08-29 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: PRESTIGE FINANCIAL SERVICES INC
State: IN

Complaint narrative:
here are inquires that i dont recognize nor did i give approval to look into my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
Did an installment loan with XXXX XXXX for XXXX. The Rep informed of the amount that was going to be taken out of my bank account every 2 weeks. I called to inquire about my balance and learned that I still owed them XXXX. I became upset because the Rep did not explain to me that they charge a daily fee plus interest. I was told I would paying XXXX every 2 weeks until XX/XX/XXXX. They didn't tell me that I would be paying the interest and other fees first. I feel they owe me some money back.

Company response to consumer: Closed with explanation