vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I was in an accident on  XXXX   XXXX ,  2016. I  continued to pay until the insurance and GAP company paid. The final payment from the GAP insurance was cashed by  GM Financial  on  XX/XX/XXXX . I paid  XX/XX/XXXX  another payment as there was still a balance. I paid  2  payments in  XX/XX/XXXX  as I was trying to pay off the loan. I found out when I applied for credit and my car insurance company went up on my rates that I was being reported as delinquent in payments. I checked my credit report to find that  GM financial was reporting me as 30 days late. I tried to go on line to the GM Financial  web site and look at the payment history which is inaccurate. It shows all payments from   XX/XX/XXXX  on, as being received in  XX/XX/XXXX , when only one payment was received in  XX/XX/XXXX .  I tried several times to speak with  GM financial  because the online bill reporting is very confusing and inaccurate and they have repeatedly told me that the payments that came in from the insurance and GAP do not count towards any payments on the account even though the online statements state payment received so how is it not a payment. According to them even though the received a payment in  XX/XX/XXXX  from GAP and they repoprt it online as payment received that it does not count as a payment because it was not from me. I am attaching the statements for the months involved. Please help me. I feel I have been deceived by the online statements which are not accurate at best and misleading at the worst. When I spoke to a representative in  XX/XX/XXXX  it was only told to me that I needed to continue making payments until the car is paid for. They claim they told me that I was behind on my payments and that is not the conversation that I remember having with the representative. And when I told them that I  may  have to contact an attorney to resolve this issue because this does not seem proper they threatened that they would not be able to speak with me any further regarding my account. I have continued to make payments toward the remaining balance and will continue until it is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I took a mortgage with  Citi in 2015. My wi fe and I moved assets to the bank to obtain a mortgage discount of 0.25 %. Within the last several weeks I received a check from Citi stating that they realized they had made a mistake and did not apply the agreed discount to the mortgage. They applied a 0.125 % discount instead of the full 0.25 % as agreed. They included a check for the amount  XXXX . This is for five years of interest on the difference between the agreed interest rate and what my wife and I are currently being charged. This was Citi 's mistake and because of it I am being forced to accept a partial reimbursement. They are only willing to provide me with a check for 5 years of the interest difference rather than the full 30 years. The difference is ov er 18,000 doll ars. This is not something my family can afford to accept. This is a long term home for our family as evidenced by a 30 year fixed loan and we should not have to accept  Citi  's partial payment for their mistake.

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 2017-05-22 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: CORELOGIC INC
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit reports   (  XXXX ,  XXXX , and  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all   XXXX   credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.

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 2017-05-22 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my credit report  s (  XXXX ,  XXXX , and  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: NV

Complaint narrative:
On   XXXX   XXXX   , 2017 a c reditor known as  XXXX   XXXX  showed up on my credit. There is no contact information that was provided for this creditor, and I do not recall doing anything that would result in a hard credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hi, I deposited a check for {$62.00} in XX/XX/2016 in Chase Bank. The bank claims that they never received it and reversed the amount from my account. Meanwhile, I have a copy of the endorsed check from XXXX ( which issued the check to me ). I have tried resolving this with Chase to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I received a letter fr om Chase stating th at my credit card interest rate would be increased to 25 %. I had, had the card for several years, and I have excellent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
I keep receiving call  s from this number. They identified themselves as Halsted Financial Services. I refused to give them my personal information because of all the fraud out there and because someone is in possession of all my personal information.
They would not give me any information. I told them   to stop calling and to send me a bill with details and they INSTEAD keep calling and being rude and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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 — Investigation took more than 30 days
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
These  XXXX  medical bills are not my debts.  XXXX  for {$280.00} and the other  XXXX  for {$75.00}. I sent Paragon Revenue Group a letter to verify this is my debt per the  Hippa Validations.So i just got a letter in the mail for Paragon Revenue Group that is   suppose to be verifying this is these debts.They have failed to comply not only per HIPPA but also by the FAIR CREDIT REPORTING ACT. What they sent me is not a validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Specialized Loan Servicing is the lo an servicer for my mortgage. They sent me a paper notice that they had messed up my escrow balance in early  XXXX . Since then, I have received no follow-up mortgage statements, as I normally do, to pay my monthly loan balance. I tried to pay the balance online but no one can explain to me how/why I can not pay online. I have called and tried on several occasions to pay the monthly balance of my mortgage and I 'm concerned that they are trying to make me late on my payments and/or have inaccurately accounted for my loan.

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 2017-05-22 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: MI

Complaint narrative:
I applied for a mortgage from   XXXX   XXXX  , they did   XXXX   times hard inquiry during 2 months period, with out my authorize,  XXXX  in  XXXX     2016  and other  XXXX  in  XXXX   2016 , they did the second hard inquiry after they cancel the pre approve, i never get the loan and my score dropped  XXXX  points, I filed a dispute with credit agency, they did n't solve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 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: TX

Complaint narrative:
I disputed an account with   XXXX   XXXX   XXXX  . The account is closed with a  XXXX  balance. Equifax continues to validate incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase Cr edit Card is posting a total statement balance to include charges that are not yet posted to my statement. Exampl e : Let 's say last month I had a balance of {$95.00}. I paid the credit card company {$50.00}. The next month I have a balance of {$3700.00}. I know that I bought one plane ticket, but the charge for this is not shown on my statement. I just have the {$3700.00} total. Nothing is displayed for the charges. Certainly anything that is posted does not sum to equal {$3700.00} ( obviously, in one month I do n't have enough interest to have such a balance ) You can see how this type of billing  could cause confusion for a customer. How can I keep up with if my bill is correct without seeing which charges have posted?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: OH

Complaint narrative:
They called my cell phone, told.me it was recorded and placed me on hold. I hung up. I called them back. They asked me to verify myself and needed my last  4 o f social. I asked what it was concerning and he told me once I verified who I was they would tell me. Said by Federal law had to have  two for ms of verification. I told him to send it to me in writing that was Federal as well, and until then to   XXXX    XXXX   XXXX . I then hung up and called back again. A female not speaking fluent English. Asked for phone number. Gave it to her. Asked if I was   XXXX   XXXX  . I said yes ... that to me i s two forms o f ID. Then asked for last  XXXX  of social. I again refused and asked who she was with. Could not tell me without verification. She then asked for middle initial. I told her "  XXXX  ''. She then said that did n't match and needed me to verify address. I told her she now had three forms of ID. Still refused to tell me who she was with or representing. I then hung up again. Has been added to my reject call list.

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 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have been dealing with fraudulent late charges and fraudulent charges from Kohl 's department store since XX/XX/XXXX. They have admitted their wrongdoing in the form of repayment checks ( amount usually only a little over 10 dollars. ) My issue is tha5t i had to close my account the first time this happened. and it took me over 4 months of being utterly harassed by Kohl 's for debts i did n't owe. It would be a lot easier if i could just mail someone at CFPB all of the documents. i saved every single last bill. I have been a loyal customer of Kohl 's for almost a decade, and i have ALWAYS paid my bills in full, every time. There was a huge mix up where Kohl 's tried to place a fraudulent online charge on my account back in XX/XX/XXXX. This charge led to other late charges being put on my account. when it came try to get this issue rectified, Kohl 's took over 4 months to get me to a supervisor. As soon as i spoke with XXXX XXXX ( Kohl 's debt center supervisor ) ( phone number- XXXX ) he admitted the wrongdoing and i was reimbursed for the wrongful charges and my account was closed. i decided to open another account in XX/XX/XXXX because, well, i loved shopping at Kohl 's because they have a great selection. However, after i made a purchase in XX/XX/XXXX, and then paid it off as soon as that bill came, i started getting the harassing phone calls again stating that i owed late fees and such. I have spoken over 20 times with the supervisor XXXX, to which he has admitted the wrongdoing on Kohl 's part. However, these fraudulent late charges that they are placing on people 's accounts is FRAUD! Starting in XX/XX/XXXX, i started getting late charges on my monthly statements again, even though i Had n't Stepped foot inside of a Kohl 's since XX/XX/XXXX. Just this month, i have received : two separate account statements, both claiming I owe a different amounts, another bill statement claiming i owed XXXX, and a reimbursement check for XXXX. however, Kohl 's still calls me 6-8 times a day demanding i pay my debt. a debt that according to my billing statement is non-existent. i have left several message for teh supervisors regarding the issues that started again in XX/XX/XXXX of this year, but have n't heard back yet. so filing a complaint with CFPB is my last resort

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
on  XX/XX/XXXX , I received a letter from  Barclaycard  regarding my  XXXX  visa card account ending in  XXXX . I was told that my credit card account will be closed at the end of this month when the card expires. The reasons were : amount owed on bankcads too high and balance on this particular account too high.   I do not argue these facts. But, here are my concerns ; when the credit card is closed by issuer, it is reported in my CB as closed by merchant. This will actually harm my credit. I have maintained this card very diligently. I always pay on time, and my payments are more than the minimum. I have never gone over the limit and never bounced a payment. The issuer issued me both my Barclay credit cards even though I had declared BK in  XX/XX/XXXX .   When I attempted to speak to agents at  Barclay  cards they were very uncooperative and did not care how my credit will be harmed by the closure of this account.   Your help in resolving this matter will be greatly appreciated

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 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
On Sunday,     XXXX   XXXX  2016   , I received a notice in my door reminding me that my lease to  XXXX   XXXX   XXXX  would expire   XXXX   XXXX  2016   . At the time I was unable to respond to the notice as the leasing office is closed on Sunday. Later in the week, I notified  XXXX  in the leasing office that I would not renew the lease and had already made arrangements to move out.     I have included the unsigned Lease Agreement Extension as well as the Lease Agreement Extension Fair Collections and Outsourcing received from   XXXX   XXXX   XXXX   (  XXXX   XXXX  ), dated   XXXX   XXXX  2016   , as an attachment to this complaint. The expiration date on this documentation was falsified and  " Auto Renewal ' ' was entered on the document, instead of obtaining my signature, after I told them I will not renew my lease. The attached documentation also shows a discrepancy between the date entered on the  Security Deposit Disposition  as to when this was sent to collection (   XXXX   XXXX  2016     )  and the signature date that  XXXX   XXXX   XXXX  entered on the Lease Agreement Extension (   XXXX   XXXX  2016     ).      I disputed and requested verification of this collection item with  Fair Collections and Outsourcing  but their response brought no change. I was provided a breakdown of fees owed, shown in the attached  Security Deposit Disposition , but this information is also inaccurate. As shown on the attached  Security Deposit Disposition,  the reason for leaving was NOT due to eviction so there should not be any attorney 's fees. If any attorney 's fees were assessed, I have not been provided proof that those fees were paid by  XXXX   XXXX   XXXX   (   XXXX   XXXX   ).  I am also attaching a copy of the lease I entered into at my new place of residence that began   XXXX   XXXX  2016    which again,  XXXX   XXXX   XXXX  was made aware of this.     I hold FCO responsible because they accepted this account. They also had two opportunities to validate the account and failed to do so. Had they properly validated it, the correspondence I received from them should have the Intent To Vacate notice that I signed and left with   XXXX   XXXX   XXXX  . Along with that notice I provided a forwarding address to send any balance owed due to failure to clean the apartment but that amount was taken from my security deposit, as shown in the  Security Deposit Disposition .   XXXX   XXXX   XXXX   (  XXXX   XXXX   )  fraudulently submitted documents to Fair Collections and Outsourcing in an effort to collect money that is not owed to them. Fair Collections and Outsourcing is now reporting to all   XXXX   credit bureaus inaccurately and without properly verifying the account upon my request which has brought me to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franks Adjustment Bureau, Inc.
State: IL

Complaint narrative:
Today I received an  XXXX  alert stating that I have a new collection fro m Franks Adjustment bureau in the amount of {$480.00}. I have no knowledge of this account, I have also never received any correspondence regarding this account. I did some research also and I was unable to also confirm that this company is allowed to collect in my residential state of IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
Phoenix financial services has been in constant contact with me accusing me of owing a debt to them and their client. I have disputed the account stating I have no knowledge of debt they claim is owed. I hav e asked for written validation from this company and have not received anything with my original signature or a contract stating that I am the person obligated to pay debt. Company claims that they have " confirmed " debt with its client, but has not provided documentation. How was this debt validated? Where is the signature? Where is the documents? This company claims they will report to credit bureaus but this is against the law because I have not received proof of accounts. I am not or never have been associated with the telephone number listed on this letter and this company has violated my rights by being in possession of medical diagnosis codes! I have been informed by my attorney that this is illegal and against the law. If this company proceeds to report these accounts without validation I will proceed to file suit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I received  XXXX  in the amount of  XXXX  on  XXXX / XXXX / 17  @  XXXX  into my Coinbase wallet. As for a confirmation code I did not re ceive one. I h ave tried close  to 10 tim es now to contact Coinbase customer service via the only means possible, online request &  XXXX . I  received one res ponse on  XXXX / XXXX /   17  but all they did was ask for the same information I had already provided so I reiterated it & never heard back. Here is  the Case #   XXXX  generated by my inquiry. I have numerous other case #  's ( Case #    XXXX ,  Case  #  XXXX ,  Case #   XXXX   )  that have been provided in their email acknowledging receipt of my inquiries however that 's all you hear from them. From what it looks like on  XXXX  many orhers are having similar issues with Coinbase.     Thanks

Company response to consumer: Closed with explanation