vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX turned an account over to a collection agency named Caine & Weiner to collect a debt that I do n't owe and that was as a result of identity theft. I have made both XXXX XXXX and Caine & Weiner aware that this debt does not belong to me and was as a result of identity theft but both of them have ignored me. XXXX has had agents threaten me when I have called them to make the aware that this was fraud and told me that I needed to just pay it or that they would have me arrested. I have tried to have communications with this company multiple times but they continue to threaten me and intimidate me. The very same is true with Caine & Weiner there agents are also unethical, when I have called in to their collection agency to allow them to know that the debt they were attempting to collect was fraudulent, they have also threatened to have me arrested if I did not pay the debt that I have explained to them that I did not owe and was as a result of identity theft. I have been yelled at and cursed at by the representatives at Caine & Weiner. Both Caine & Weiner have told me that they plan to continue to defame my character and hold me liable for this fraudulent debt until I pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: CITIBANK, N.A.
State: CT

Complaint narrative:
On XXXX XXXX, 2016, I ate at a restaurant in XXXX XXXX called XXXX XXXX and became seriously ill because they apparently do n't clean the fish they serve there. I emailed them and complained and disputed the charge on my Citibank XXXX XXXX card because I did n't think I should have to pay for a meal that made me sick and sent me to an emergency room. Citibank contacted them and they said I never complained to them which was a lie and Citibank sustained the charge without investigating I have since filed complaints with the Better Business Bureau, and the XXXX XXXX Consumer and Business Affairs. BOA ignored all of their correspondence so I was found to be correct in my claim. I went back to Citibank, the Office of the President through someone named XXXX XXXX. He arranged or asked me to call a man named XXXX XXXX at the restaurant for my refund. The man never called me back and never replied to my email. Copies of a years worth of correspondence are being attached here. XXXX XXXX old me that " It 's hard for them to investigate with restaurants '' but I know that Citibank never investigated this at all.

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 2017-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I have continuously contacted Navient about our current situation. We are struggling to make payments. We have been putting our bills on credit cards so that we can make the payment to Navient. I called the company and went through the process of telling them all of our debts and payments. They called me a few days ago and told me that my husbands income is n't high enough to get us a lower payment?? WHAT?! You read that right. We do n't make enough money to get us a lower payment. Is there anyway to fight this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A computer glitch that was Transunion problem - not mine - caused my inquires to be deleted. Transunion later added the all back onto m credit report without giving me the legally required Witten notice Five days prior to them being re-added. I contacted Transunion in good faith to ask them to delete the inquires that they had XXXXilleegally re-added. these inquires add a hardship and my rights were violated by Transunion. I ask that you please help me, and make Transunion to stop victimizing me. As a resolution I ask that all of my Transunion inquires be deleted PERMANENTLY from my report as a violation took place when they were illegally added.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called because my card was declined when I was trying to pay the rent on the residential hotel where I was staying and was running late for work because of it. They kept me on hold for a long time after Itold them how urgent indexed help and we 're completely inflexible to helping me. They said ... my card was deactivated and did not offer me any solution. Even when I attempted to call order a replacement card they refused! They told me that they would not use the address of the residential hotel and we 're even going to proceed closing my account against my will. I tried providing the address of my employer and the address of a friend who agreed to let me receive mail there and they are refusing to replace my card. I 'm now 2 hours late for work and getting kicked out of the residential hotel where I was living. I 'm going to have to go stay with my friend who was previously just going to let me receive mail at his house. They say they are closing my account because I ca n't provide a residential address ( I have ). Now I have no access to MY money! I called BBVA Compass bank which owns Simple Bank. BBVA offered to help me but they were unable to access my account since it was with their subsidiary. They did contact Simple on my behalf but were still unable to help and transfered me back to Simple on the same call. I spoke with XXXX in customer service and he was unable to provide me with legal documentation stating the address requirements but refused to use the address I provided. He also refused to have my card mailed to a BBVA location which was a possible solution that the BBVA rep had offered when I was on the phone with them. I Lastly I asked him to provide me the contact information for their agent of service so I could file a lawsuit and he refused to provide me with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2017 @ XXXX XXXX EST, a man contacted my roommate 's cell phone claiming to be Attorney XXXX XXXX from New York. He called from ( XXXX ) XXXX and told me that Capital One wanted to take legal action against me for an old debt and the amount I owed for the debt and restitution was around {$500.00}. He told me that I needed to pay the full amount immediately or else Capital One would take me to court and have my local government charge me with theft, fraud and possibly spend up to a year in jail. He offered to take payment via XXXX XXXX, my bank account or another credit card payment. I told him I could n't pay for a couple of days and he pushed and pushed for an immediate payment, but said he would call back later so I could try to come up with the money. I did a reverse phone number search and found that it was a non-fixed Voip number from XXXX XXXX, NY, however, when I searched for his name and business in New York, I found nothing. I did ask my roommate to call the number back to see if and how he answered the phone and he did answer " Attorney XXXX XXXX XXXX XXXX '', before she apologized and said she had dialed the wrong number. I do n't owe any old credit card debt for that amount from over a year ago and my roommate has been receiving excessive scam calls lately. The man sounded very professional and was the most believable " scammer '' I have talked to so I would hate for someone to trust and give him their hard earned money. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
XX/XX/XXXX I WENT TO TARGET TO MAKE A PURCHASE WITH MY XXXX CARD AND IT WAS DENIED. ADVISED TO CALL THE ACCOUNT MANAGEMENT NUMBER WHICH XXXX, SPOKE WITH A MANAGER NAME XXXX IN XXXX AZ ID NUMBER XXXX, HE INFORMED ME TO CALL MY BANK SO THEY COULD HEAR MY ACCT INFO ADVS IM NOT BECAUSE A PYMT WAS MADE ON XX/XX/XXXX, AND FUNDS CLEARED MY ACCT ON XX/XX/XXXX, HE ALSO ADVISED THAT IT SHOWS MY CLEAR MY ACCOUNT PYMT WAS CLEARED. HE ADVS ONCE I CALL MY BANK AND HE HEARS MY BANKING INFORMATION THAT MY CARD WOULD BE ACTIVATE AGAIN. I REFUSED THEN ASKED FOR HIS SUPERVISIOR HE REFUSED TO TRANSFER ME TO HIS SUPERVISIOR OR GIVE ME THE COPR OFFICE NUMBER. I ADVISED HIM ITS AGAINST THE LAW AND HE STILL REFUSED ALL INFORMATION. HE ALSO REFUSED TO GIVE HIS LAST NAME AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: SC

Complaint narrative:
I received loans with these companies. I was unable to make the huge payments so I went with a debt solutions company to help consolidate the payments and lower the percentage rates. XXXX XXXX XXXX was able to get my payment to {$550.00} twice a month. Im am still really struggling to make this payment. I can not continue this payment as it is too much of a strain. I do not want to default on my obligations but the costs associated with the loans are exorbitant. Any help would be greatly appreciated as I do not wish to file bankruptcy. I am also wondering about the legitimacy of these companies to charge these high APR 's ( Arrowhead is 601.15 %, XXXX 228.37 %, XXXX ( 228.37 %, XXXX 176.03 %, XXXX 139 %, XXXX 134 % ). I reside in SC and am not sure of regulations on these companies. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have gotten back on my feet from a 3 month medical injury. I have faithfully made payments on my Wells Fargo Credit card throughout this time. Unfortunately, because I was unable to work I had to use my credit card from Wells Fargo for other expenses. Now my payments have gone up to XXXX a month which is okay, but last month I could only afford to make a XXXX payment. They are charging me this month XXXX. This XXXX is : XXXX I was remiss last month plus the XXXX I owe and a XXXX late fee. This is ridiculous because they are charging me double interest as a late fee. Can you help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
We have been trying to get a mortgage modification with CitiMortgage since XX/XX/XXXX. We filed bankruptcy because CitiMortgage was trying to foreclose on the house. In bankruptcy we have been paying the mortgage for the last 2 years. In XX/XX/XXXXwe had the taxes and homeowners insurance adjusted saving {$15000.00} a year to make the mortgage payment lower. CitiMortgage just keeps requesting the same documents over and over again. All documents are now sent in to CitiMortgage by our Attorney. Attached is a Letter from our Attorney and supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
X/XX/17 To Whom It May Concern, I am writing this letter as I have a complaint that I would like investigated. Recently, I took out a BECU auto loan to cover the cost of my new vehicle. After learning about the new laws, I found that I had been given a loan with an interest rate of 4.24 % which is significantly more than the 0.29 % interest rate which the law states is applicable to loan borrowers. I am now requesting that you please take in depth look at why I have been charged with a higher interest rate. I was told that because my credit score was low, I had was offered the higher interest rate of 4.24 %. I should have qualified for an interest rate of 0.29 %, as all auto loans in WA state have this designated interest rate. After reaching out to BECU by phone, they stated that their lowest interest rate is 2.49 % and that my interest rate of 4.24 % was based on my credit score. Please contact me as soon as possible. I have been receiving inconsistent advice from them. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I was on a income based deferment and when I received the information that it was time to renew I sent in my information again which I qualified for deferment automatically because I was receiving government assistance. A couple months go by and I receive a notice saying my account was delinquent I called them and explained the information was submitted online. They say that it was incomplete but it was not all I had to supply was my benefit letter and they made me resubmit it and reported me as 120 days late 3 times for each of my 11 loans. Even though the verification information was marked as received on their website prior to the due date. I have disputed this information several times with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX College has closed down and I been trying to Dispute and give loan forgiveness, but they wo n't give it to me. I was re enter into school due to have to do my taxes and in the most of me picking out my classes and they start closing down and I was n't able to finish my classes. No warnings or letters or nothing just closed and got stuck with the loan and that 's ridiculous. I need relief and it needs to be forgiven by Navient Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I disputed the account with XXXX XXXX, experian, XXXX, and XXXX 3 times. XXXX and XXXX verified that this account was not mine and also that the company did not respond within 30 days so it was deleted. Well with Experian they are still leaving this on my credit and I this is not my account. I have not had any resolutions from experian or account recovery on this account. I asked for proof that this account is mine and I have not had any results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have made an international transfer of XXXX XXXX to Coinbase Inc on XX/XX/XXXX. On XX/XX/XXXX they sent me an email saying they will not deposit the money into my account, but refund it within 1-2 business days instead. I have been waiting for the refund 3 weeks now and have not received any response or money back from the company. The customer service is not responding either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: UT

Complaint narrative:
I noticed this account on my credit report with XXXX XXXX XXXX XXXX. I have no idea what this is and how it ended up on my credit. I disputed this XXXX x to XXXX, XXXX, and XXXX. XXXX  verified that this was not my account and that the company did not respond in time and they deleted it from my report. Well XXXX and XXXX keep coming back saying it is verified because my name matches what the company has on their automatic report. This is not valid proof of the debt and is violating my rights to continue to have this on my credit report when it is not my account and is not being accurately verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
The Coinbase website says that ACH transfers are free for deposits, but does not state whether there is a fee for withdrawals. They do state that for wire transfer deposits there is a {$10.00} incoming fee, and a {$25.00} fee for outgoing wire transfers. I believe this is a deceptive marketing practice, because they either charge {$25.00} for outgoing ACH transfers, or default you into a more expensive {$25.00} wire transfer fee. A second deceptive marketing practice by the company is that when you place a withdrawal in the XXXX app, they show you a confirmation screen for a withdrawal of the full amount, but then hours later send you an email with a small disclosure that you are being assessed a " {$25.00} Banking Fee ''. The fee is not described as a wire transfer fee, or a bank specific fee, it is just a generic " {$25.00} Banking Fee ''. I believe this is deceptive because if the XXXX application shows a screen that makes you think the full amount you requested is being sent to your bank, but then hours later tell you that you will be getting less money via email, if you do not read the email, you will not know you are being assessed this fee. On X/XX/2017, I made a withdrawal from my Coinbase account for {$290.00}, and they showed me an app confirmation screen for a withdrawal of {$290.00}, but later sent me an email for stating that my withdrawal amount was {$260.00} because of a {$25.00} banking fee. I checked the Fees and Disclosure page but no " {$25.00} banking fee '' was listed, and they claimed that ACH transfers were free. I also did not opt or request a wire transfer, and so I do not know why I was assessed the fee. In summary, I believe Coinbase is violating multiple Federal laws. I believe that they are violating FTC Truth in Advertising Laws, since they deceptively advertise their fee structure. I also believe that they are violating SEC laws as my fiduciary. If virtual currency is treated as property for Federal Tax purposes, than Coinbase has a fiduciary duty to do what is in my best interest. By charging  excessive and undisclosed fees, I believe that they are in violation of the law, since it is not in my best interest to be assessed those fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: UT

Complaint narrative:
I have disputed this account with Source Receivables, XXXX, XXXX, and XXXX 3 times. This account is not mine and I requested debt validation. The credit bureaus keep saying " verified '' while the company never responded to me or sent proof of the debt. This is still reporting on my credit illegally and should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Stellar Recovery, Inc.
State: UT

Complaint narrative:
A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under Stellar Recovery ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under XXXX XXXX ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was.

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 2017-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under XXXX XXXX ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was.

Company response to consumer: Closed with explanation