vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
In XXXX 2017, I accepted an offer from American Express and received a Gold Delta SkyMiles Credit Card. The offer stated that I would receive XXXX bonus miles after I spent {$1000.00} within the first 3 months, a {$50.00} statement credit after I made a Delta purchase within the first 3 months, and other incentives such as miles per dollars spent, free baggage checking and priority seating. I made the required purchases within the first 2 months. Although I have received the " other '' incentives, I have not yet received the bonus miles or the {$50.00} credit. 
I have called American Express several times this past year and as told by the agents that I should have received the miles and credit, and they would investigate. I have not received any feedback from the company concerning this issue and am resorting to contacting this agency for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: TX

Complaint narrative:
On XXXX/XXXX/2018 I accidently sent {$610.00} from a Bitcoin cash wallet on Coinbase to a Bitcoin Wallet XXXX ) on XXXX. Here is the XXXX. I have tried reaching out to COinbase and XXXX for the last 4-5 days requesting that the funds be credited to the proper account. I have received no response from XXXX or Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: TX

Complaint narrative:
I CONTACTED THE COMPANY XXXX XXXX XXXX ON XXXX XXXX XXXX REGARDING THE ACCOUNT INFORMATION BEING REPORTED ON MY CREDIT REPORT ALL THREE CREDIT BUREAUS HAVE SENT LETTERS SAYING THAT THE INFORMATION WAS VERIFIRED AND ACCURATE ACCORDING TO THE FCRA. I SPOKE WITH CUSTOMER SERVICE REGARDING ACCOUNT # XXXX AND WAS TOLD THAT THE ACCOUNT WAS PAID IN FULL BUT WAS CONSIDERED A CHARGE OFF BECAUSE IT WAS NOT PAID WITHIN THE AMOUNT OF TIME FOR THE CONTRACT. THIS HOWEVER IS INCORRECT INFORMATION IT REPORTS THAT THE CONTRACT STARTED ON XXXX/XXXX/XXXX. BUT IN THE CONTRACT IT IN FACT STATES THAT THE CONTRACT BEGAN ON XXXX/XXXX/XXXX. REPORTED TO THE CREDIT BUREAU IS AMOUNT OF XXXX BUT, IN SAID CONTRACT THE AMOUNT IS XXXX. THE COMPANY FAILED TO REPORT THAT THERE WAS A SWITCH IN VEHICLES AND DID NOT UPDATE THE CONTRACT TO REFLECT THE NEW VEHICLE OR THE NEW CONTRACT. ALL INFORMATION BEING REPORTED IS FOR A TOTALLY DIFFERENT VEHICLE IN WHICH I DID NOT OWN. HOW DID THE CRA NOT CATCH THIS INACCURATE REPORTING OF DETAILS? THERE WAS NOT A PROPER INVESTIGATION CONDUCTED OR IT WOULD HAVE BEEN CAUGHT.MY CR SHOWS A CHARGE OFF OF XXXX BUT THERE WAS A REFUND SENT AFTER THE END OF THE CONTRACT WITH 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 2018-01-08 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: TX

Complaint narrative:
I CONTACTED THE COMPANY XXXX XXXX XXXX ON XXXX XXXX XXXX REGARDING THE ACCOUNT INFORMATION BEING REPORTED ON MY CREDIT REPORT ALL THREE CREDIT BUREAUS HAVE SENT LETTERS SAYING THAT THE INFORMATION WAS VERIFIRED AND ACCURATE ACCORDING TO THE FCRA. I SPOKE WITH CUSTOMER SERVICE REGARDING ACCOUNT # XXXX AND WAS TOLD THAT THE ACCOUNT WAS PAID IN FULL BUT WAS CONSIDERED A CHARGE OFF BECAUSE IT WAS NOT PAID WITHIN THE AMOUNT OF TIME FOR THE CONTRACT. THIS HOWEVER IS INCORRECT INFORMATION IT REPORTS THAT THE CONTRACT STARTED ON XXXX/XXXX/XXXX. BUT IN THE CONTRACT IT IN FACT STATES THAT THE CONTRACT BEGAN ON XXXX/XXXX/XXXX. REPORTED TO THE CREDIT BUREAU IS AMOUNT OF XXXX BUT, IN SAID CONTRACT THE AMOUNT IS XXXX. THE COMPANY FAILED TO REPORT THAT THERE WAS A SWITCH IN VEHICLES AND DID NOT UPDATE THE CONTRACT TO REFLECT THE NEW VEHICLE OR THE NEW CONTRACT. ALL INFORMATION BEING REPORTED IS FOR A TOTALLY DIFFERENT VEHICLE IN WHICH I DID NOT OWN. HOW DID THE CRA NOT CATCH THIS INACCURATE REPORTING OF DETAILS? THERE WAS NOT A PROPER INVESTIGATION CONDUCTED OR IT WOULD HAVE BEEN CAUGHT.MY CR SHOWS A CHARGE OFF OF XXXX BUT THERE WAS A REFUND SENT AFTER THE END OF THE CONTRACT WITH XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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:
I exchanged virtual currency for USD using Coinbase 's service. I requested a withdrawal of {$230.00} on XXXX XXXX, 2017. They debited my exchange account and told me the wire would arrive in my bank within ten business days. It has now been a month and I still have not received my funds. I have opened multiple support tickets with Coinbase but they have been completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: VA

Complaint narrative:
Chase Bank and XXXX XXXX XXXX/XXXX/XXXX bought 4 plane tickets through XXXX XXXX XXXX/XXXX/XXXX time changes have been made to the flights, so I canceled 1 ticket and got a refund and called back a week later to cancel the rest, but XXXX XXXX rebooked the rest. I filed a dispute with chase since I did not want the remaining 3 tickets to be rebooked. 
XXXX in early XXXX Chase refunded all four tickets by mistake when it should have been 3 XXXX/XXXX/XXXX I was rebilled for the initial ticket that was refunded, which I paid. 
XXXX/XXXX/XXXX I was rebilled AGAIN for the initial ticket, which I paid. 

I 'm am disputing the second rebilled cost! 

I reopened the same dispute 3 times and Chase misunderstood the problem and thought I was arguing that I have n't paid for the rebill, which caused another rebill from XXXX. I 've talked to the supervisor at Chase to re-explain and he said there is nothing they can do since it 's past the disputing period. 

I was able to cancel the first flight since the flight time changed. When this dispute is going on, I got another message saying that the second leg of the flight has been canceled. This means I definitely qualify for a refund. 

I 've attached the flight cancellation email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
original complaint # XXXX was against Ocwen/XXXX.Closed. Never resolved or finalized. Denied they were XXXX XXXX. 
XXXX, 2017 XXXX XXXX foreclosed. Committed several infractions. Sent all communication and suit papers to XXXX XXXX, XXXX who was not my attorney, Day after sale padlocked house while I was out of town. Title and monies were not even transferred to XXXX XXXX. XXXX confiscate all my furniture, goods etc. I 've made several attempts to contact XXXX, XXXX XXXX and XXXX to no avail.They illegally seized my property, attached fees and insurance costs to the lien. 
They provided no Ejectment notice, No eviction notice, No statutory redemption offer and No court order to vacate. All my belongings valued over {$7000.00} are due and payable now. 
Please forward to : XXXX XXXX Deputy Assistant Director Office of Legislative Affairs Consumer Financial Protection Bureau who is aware of the dilemma and corresponding with Senator XXXX XXXX 's office. Than you and please advise

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XXXX XXXX, XXXX I notified for the second time for Shellpoint Mortgage Servicing to cease and desist contacting me. 

Shellpoint Mortgage Servicing acknowledged receipt of my demand in a letter dated XXXX XXXX, XXXX. 

Since receipt of its acknowledgment I have received eight more communications alleging different creditors, threatening foreclosure, and alleging I obtained a loan from it. 

Shellpoint Mortgage Servicing sends communications identifying the addressee as " c/o XXXX XXXX, Pro Se '' even though I am not involved in any litigation with it - this is clearly harassment. 

The creditors it claims I owe do not exist. 

It is also reporting inaccurate, incomplete, and unverifiable information to the CRAs about me. 

The Georgia Department of Law 's Consumer Protection Unit has forwarded my previous complaint to the Department of Banking and Finance for further investigation. 

They must be running some racket out of SC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I have a complaint already with you # XXXX. LoanDepot The company processed my XXXX 2017 payment under the wrong account. I have called the company four times and explained to customer service that they credited the wrong account. They have not yet fixed the problem. 
I can not make XXXX 's payment until they fix this error. No one is helping me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
Franklin Collection has refused to remove debt from my credit file after I sent them numerous letters certified mail detailing that those debts are not mine. I have sent paper work with Affidavits and police report that the debt was n't mine but they refuse to remove it from my credit file. They are refusing to remove the illegal debt. I told them several times it was n't my debt but they insists on trying to make me pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Miller and Steeno, P.C.
State: MO

Complaint narrative:
I may arrangements to pay XXXX dollars a month on debt with agreement to check in see if I was in position to make larger payments. Today XX/XX/XXXX I called to see amount still owed. The representative I spoke to asked if I could do a higher amount..I looked and offer XXXX a month. She said she would discuss it and call me back. When she did..she said she could only do XXXX a month.. my payment of XXXX a month was expired according to them, I had planned and budgeted for XXXX this month. She said she had to have XXXX this month or further legal action would follow. She stated that what she was setting up for that and if I did n't pay XXXX on XX/XX/XXXX I would default and more unpleasant action would follow. My original amount I owed was XXXX dollars after paying XXXX for over a year or better my total amount left to pay is was over a thousand. That was XXXX plus fees on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
We bought this property on XX/XX/XXXX for a value of {$74000.00}. Originally we take a mortgage loan of {$65000.00}. From XX/XX/XXXX to XX/XX/XXXX we had financial problems and we were unable to do the payments. Then on XX/XX/XXXX it was a established a new loan for the amount of {$72000.00} since that we made payments twice a month of {$670.00}. each. 
Now that we ask for the payoff because we are trying to get a new loan in another bank they are telling us that our balance is {$100000.00}. 
They send us an statement and there was not reduced all the double payments we made since XX/XX/XXXX up to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, On XXXX XXXX XXXX I sent a message to Coinbase through customer support telling them that I saw unknown Ip adresses trying to log into my account. I made clear that this made me worry, and asked them to, if possible, 'block ' all the other Ip-adresses except mine for my account. That was the only thing I asked for. 

The next day ( XXXX XXXX XXXX ), I already got a response. They said that my account has been locked now, until I am sure that my account is secure. They asked me to answer 4 questions so they can savely unlock my account. I think I did this the very same day or the day after. 

But until now ( XXXX XXXX XXXX ), I still did not receive any help or response for this case. I sent them multiple messages since then, I also called the customer phone number 4-5 for more than 1 hour  waiting without any response also. 

I feel very frustrated because of this, there is a lot of money on my account which I can not access now. This really should not be happening. 

Thank you so much for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: DriveTime
State: NV

Complaint narrative:
I received a car loan from Drive Time on XXXX/XXXX/XXXX. During the life of my loan I fell during some hardship hence losing my job and unable to keep up with bills. My issue with drive is this, They would call my phone three times a day and leave messages when I would not answer. I my self XXXX XXXX XXXX XXXX XXXX XXXX XXXX know that after you make contact and leave a voice mail they can not call again and they can not call three times a day. Two in XXXX of XXXX I just started my job with my current job and would not get paid for two weeks. I spoke to customer service rep whom stated that they would prevent my car from being reposed if I made a payment on XXXX/XXXX/XXXX. Then not even three days later they took the car. I then filed a complaint with BBB I was advised that they would settle the account but had to be in one lump sum they offered two weeks to pay a XXXX settlement. They advised i would receive a settlement offer which I never did. I am now seeking counsel to file a harassment law suit with the company and providing me the consumer with false and misleading information about assisting me with payment plan during my hardship and refusing me a hardship hence i was behind one payment after being on time for more than 7 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I have a mortgage with Mr. Cooper ( formerly Nationstar ). I flooded in Hurricane Harvey, with my insurance settlement being {$190000.00} which is being held by Mr. Cooper. I have uploaded my paid receipts so far, amounting to {$67000.00} out of pocket plus another {$18000.00} paid to my contractor today. However, Mr. Cooper refuses to release more than 10 % of my loan, amounting {$37000.00}, until I have completed 50 % of my home repair ( which would amount to nearly {$100000.00} ), at which point they will release 50 % of remaining funds. They have repeatedly refused requests for interim releases of money, leaving me paralyzed with the inability to repair my property in a timely fashion. They are now requesting another inspection, with a turn-around time of at least 3 weeks, before even considering release of more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
IVE WRITTEN THUS COMPANY SEVERAL TIMES STARTING IN XXXX XXXX, 2018, ASKING FOR VALIDATION OF DEBT LETTER INWHICH THE COMPANY REFUSED TO SEND. ALSO TO ADVISE THE COMPANY THE INFORMATION IS CORRECT AND TO VERIFY THAT THE ACCT IS MINE, BUT THE COMPANY REFUSED TO SEND ANY INFO. UNDER THE FCRA THEY HAVE 30 DAYS TO SEND ME THE VALIDATION OF DEBT NOTICE AND THIS COMPANY HAS FAILED TO SEND ANY INFO ON THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XXXX/XXXX/XXXX I went to XXXX 's to buy a winter jacket. When I went to the register I asked if I had any coupons that would reduce the cost of the coat. The woman told me that she could re-activate my credit card and that would allow me more of a discount. I was not aware that what the sales lady was doing was applying for a new credit card for me. I already had a credit card with XXXX 's that I have had for 30 years. The credit card application was denied on the spot as I have frozen all of credit with the 3 major bureaus to protect my credit, in light of the recent security breaches. The lady acted dumb and then charged the coat to my XXXX 's credit card that was already in existence. 
On XXXX XXXX, XXXX a letter was sent to me explaining that a credit card with XXXX XXXX was declined due to " insufficient number of accounts and insufficient credit experience ''. I called the XXXX 's credit department at XXXX. The woman I spoke to took down my information, verified that no credit information was looked into for my account and apologized for what had happened to me. The woman also gave me a 20 % credit for the winter coat that I purchased. I am upset because the sales person on XXXX/XXXX/XXXX is obviously incentivized to open new credit cards for customers and was not honest or truthful about what she was doing. This is illegal and should be addressed with XXXX XXXX. Who knows how many consumers have had credit card opened for them that they did not want or need because the sales people are being dishonest in order to get bonus money or other items as incentives for opening credit cards. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: OK

Complaint narrative:
I was paying my student loan through a third party for over a year. At some point last year, the third party stopped sending payments to the student loan. I was never alerted. I learned of the situation after checking my credit report. Payments were showing over 90 days late. I contacted XXXX XXXX XXXX XXXX for information. They only had the address and phone number of the third party company, that is why I was never alerted to the missing payments. My credit report now shows 90 days late for a payment. This derogatory post has really impacted my credit score. I am now current, and have asked that XXXX XXXX XXXX XXXX remove the one negative credit report entry from this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
i wired coinbase XXXX XXXX and they are confirmed sent by my bank and never received or sent back by coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just simply want to place a Credit Security Freeze with Experian and it is impossible! I have an account with Experian and I am properly identified. I can access my credit reports and so on. However when trying to place a Security Freeze on my credit is like they do n't know me and the service is not being offered at the same web site as I regularly log-in to access my credit report. Nevertheless and after providing all reque sted information the web site responds with " We can not process your request '' you have to send proper ID thru mail ''. That is crazy and defeats the whole purpose of trying to place a credit freeze. I will never send that documentation via mail because is not secure. They offer another service to upload the documents online and it also fails even though I follow carefully the instructions. They are useless and they should be banned as a credit monitoring agency!

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