vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-05 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: MT

Complaint narrative:
I signed up for an american express everyday credit card under the pretense that my balance transfer would be 0 % interest for 18 months. When I received my first bill in XXXX, I had been charged {$32.00} interest. I immediately called the company and was told it would be taken care of in 3 to 5 business days. I have since gotten my second bill from them for XXXX and have been charged an additional {$59.00} in interest. I called them again on XXXX/XXXX/XXXX And was told they would file a dispute. It is now XXXX/XXXX/XXXX, and my account still has not been fixed. This has also caused my minimum payment to go up. I have been wrongfully charged a total of {$91.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
my mortgage loan was modified request was completed XXXX XXXX, 2017 with Wells Fargo Home Mortgage. My credit report with the 3 credit bureau XXXX, XXXX, XXXX is reflecting My mortgage to be currently delinquent and past due. That information is incorrect. Wells Fargo has not reported the current terms of the mortgage. Upon the modification being complete I was informed by Wells Fargo they would remove the delinquent payment history and report the current mortgage balance with the current mortgage history.

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 2018-01-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX My Credit report shows a Lowes account that was financed Thur GE Capital Bank XXXX XXXX I was writing to Lowes they say it was sold to XXXX XXXX and I wrote them and all they did was change the Account Open date from XXXX TO XXXX Ive wrote to XXXX several times regarding this error and the statute of limitations has passed and this account should be removed off ALL 3 credit bureaus So Im reaching out to you for help Thanks

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 2018-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
date XXXX/XXXX/XXXX creditor XXXX XXXX XXXX XXXX original account # XXXX convergent account # XXXX original creditor XXXX XXXX XXXX  amount owed XXXX total balace 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 2018-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, I purchased XXXX BTC for {$700.00} plus {$28.00} in fees from Coinbase , Inc . The fees were due to the use of a credit card for the purchase. The purpose of using a credit card was the instant purchase - bank purchases take 5-7 business days. The purchase was confirmed, with reference XXXX. The BTC did not instantly arrive in my account. The day was a high volume trade day, and Coinbase , Inc. struggled to stay live, with periodic outages during the day. When the instant purchase still had not cleared on XXXX XXXX, I contacted Coinbase - the transaction showed as " Pending '' online. I requested that the credit card fees be waived, as the " instant '' purchase was no longer instant. I again contacted Coinbase on XXXX XXXX, as the transaction was still marked as " Pending. '' On XXXX XXXX I received an email from XXXX, replying from XXXXXXXXXXXX, informing me he referred the matter to a specialist who would " follow up with [ me ] as soon as [ they ] have an update. '' Two days later, on XXXX XXXX, I again wrote to follow up, having received no response. I again wrote to Coinbase on XXXX and XXXX XXXX, following up on this purchase, which still showed as " Pending. '' Today, on XXXX XXXX, I finally received a response from Coinbase , Inc . They cancelled my purchase, writing, " When we attempted to process this transaction it was canceled by your bank. If your payment method was charged, you will receive a full refund. '' This, it turns out, is patently false. I have contacted my bank and they have no record of any attempted transaction for the amount in question. They have the credit card transaction from earlier that day for the amount of {$1200.00}, and subsequent transactions from XXXX, XXXX, XXXX ( two ), and XXXX XXXX as well as XXXX XXXX. There is no issue with my bank or the card. Coinbase did not process the instant payment for a transaction they confirmed. 

Since the fault is not with my bank or method of payment, I expect Coinbase to honor the purchase of XXXX BTC for {$700.00}, and to waive the {$28.00} fee. As noted above, Coinbase experienced multiple service outages on XXXX XXXX, and I am in disbelief that they wish to blame an external party rather than accept responsibility for their insufficient transaction capacity. Many people attempted transactions that were not processed or confirmed - while that is disappointing, such instances differ from this one, in which I had a confirmed transaction at a time in which Coinbase 's system was functioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I used to hold a credit card with XXXX via XXXX XXXX. At some point I received notification that Citibank had received the relationship with XXXX, and I was sent a credit card in the mail via XXXX. I never activated my account with CitiBank. 

At some point, XXXX placed an annual membership fee on a credit card account that I had never activated. 

As I was unaware of the charge, Citi began charging interest and late fees on this recurring charge. 

I received notification in XXXX of this year that my account would be charged off if I did n't make minimum payments by XXXX. I logged onto the system and paid the minimum payment. At this point, I also attempted to get card member terms and conditions that would show me how a charge could be placed on an account that was never activated. The only way that Citi could share with me the terms and conditions of this credit card is to send me a hard copy in the mail. I have also asked multiple customer service representatives to communicate the date this account was activated, and none have been able to give me this information. One customer service representative told me this would have been automatic when I received the CitiBank card in the mail based on my previous relationship with American Express. Another told me they could not tell me the date my account was activated due to " security reasons. '' To re-state : -I had an automatic charge placed on an account that I never opened. 
-The only charge on this account is this recurring fee. 
-Citbank has been charging me interest and late fees on this charge. 
-No one at Citibank can tell me when I started this account ; in fact I need to call a special number to discuss -No one at Citibank can share the terms and conditions of my account, and these are also not available on my online portal ; I have requested hard copy versions of my card member agreement twice in the past month.

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 2018-01-05 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: IL

Complaint narrative:
Experian & XXXX was asked on several occasions in complaints filed to this system to PROVIDE THE NAME AND CONTACT INFO OF THE VENDOR REPORTING THE BANKRUPTCY to my Experian & XXXX credit file. I would like to challenge the accuracy of that report. If the vendor is XXXX, they are not reporting this item to Experian & XXXX. Unless Experian & XXXX provides proof that the vendor is reporting the item after this request for verification, it should be immediately removed as per FCRA. If not simply let me know in response to this complaint and this date ...

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 2018-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Centron Services
State: MT

Complaint narrative:
XXXX 2 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX Correspondence generated from XXXX XXXX XXXX XXXX, Division of XXXX, with attached medical bills attached, which is a clear violation of HIPAA law. On XXXX, I again wrote to them indicating that I disputed the bills and asked that they cease and desist. I further and asked for a copy of a signed release wherein I waived my HIPAA rights. They received that via delivery confirmation on XXXX. 

XXXX 3 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of the original medical bill and two additional medical bills. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX XXXX 2 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my husbands name. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX Correspondence generated from XXXX XXXX XXXX XXXX, Division of XXXX, with attached medical bills attached, which is a clear violation of HIPAA law. On XXXX, I again wrote to them indicating that I disputed the bills and asked that they cease and desist. I further and asked for a copy of a signed release wherein I waived my HIPAA rights. They received that via delivery confirmation on XXXX. 

XXXX Correspondence of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my name. 

XXXX Correspondence of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my husbands name. 

Between XXXX and XXXX, this company has telephone me 8 times even though I asked them to cease and desist. Today, XXXX, this company called my employer. 

This company has not provided either my spouse or me with a copy of a signed contract that we owe them any money. Nor have they provided us with a copy of a signed contract that they may act as collecting money for the medical clinic. In addition, they are not abiding by our requests to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
I got a payday loan of {$100.00} in mid XXXX from XXXX XXXX I tried to tell them I lost my job due to some XXXX XXXX problems. And I am trying to get the money to pay it back. But need more time they said it is okay then the next day I got a call from the saying if I dont pay it back I will have a warrant for my arrest and will be picked up by the police the next day which has been a day already and no police. Then after that they had someone call and left a voice mail on my phone saying they where calling from a district general attorney office in XXXX so I looked up the person name and that person does not have a office in XXXX they have a office in another state and when I try to call that number back it says it is a non working number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
I have been asking for mortgage assistance since XXXX XXXX. My account manger was non-responsive and I did not receive any update until early XXXX, when I was contacted by XXXX XXXX, AVP of servicing. She stated that my account manager was no longer with the company but had no idea why my new account manger had not been in contact with me. He finally was able to reach me by phone in mid XXXX and despite multiple requests to contact me via email, refused to do so until last week. 

I have finally received a determination from Fay Servicing and find it completely unacceptable. They will not offer ant loan modification arrangement other than the option to short sale the home, an option which is not going to work for us because we are severely under water- we 've owned the property for 10 years and it is worth less than we paid for it. It should be noted that I did not receive this notice from Fay Servicing, I received it via complaint I filed with the BBB- and the letter has the incorrect address on it, indicating the account manger did not change the address as he stated. 

I am a XXXX XXXX XXXX XXXX, previously worked for the XXXX XXXX XXXX as a XXXX XXXX XXXX serving overseas in hardship posts such as XXXX and XXXX. We had always made our payments on time until XXXX XXXX when our tenants decided to break their lease and we were unable to find new tenants in a timely fashion due to the housing market in our area. We have since secured new tenants and fully expect to be able to pay our mortgage on time, we are simply asking that the balance from the missed payments be added to the mortgage and that the late payments be removed from our credit report. This is necessary because I have a XXXX XXXX XXXX for my job and a poor credit rating puts me in danger of losing it, and my job. 

This is a serious matter which we believe has not been taken seriously by Fay Servicing and if we are not provided adequate assistance we will have no choice but to involve attorneys which we would rather not do. 

Please let me know if you need anything else, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Applied for a credit limit increase and was declined. Spoke with supervisor who said card was underutilized. Please see attached letter. Explained to him that capping my credit limit just because I choose to pay balance in full every month was not fair. Furthermore nothing in the credit card disclosure alerts the consumer that they may do that. Also in their commonly asked questions and answers for denial contained in the letter received, nothing in the Q & AS addresses under utilization. How a consumer chooses to manage their line of credit is their concern so as long as it paid in full and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: GA

Complaint narrative:
On XXXX, I sent TransUnion the attached letter requesting re-investigation into a closed account and it 's inquiry and the results I received ( attached ) was deletion of an accurate account instead. Please delete the correct unauthorized inquiry as well as the subsequent closed account and reinstate the account that you deleted in error. Thank you.

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 2018-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: TN

Complaint narrative:
Company is deducting a commission from the payments I have made equaling 25 % of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had Citi credit card for more than 10 years. I have arranged to receive a paper statement and never want to change it to paperless. How ever whenever I use the card, Citi Card company repeatedly changes the statement to paperless and failed to send me a paper statement. As I dont use online statement, I repeatedly called them and told them not to change to paperless. Immidiately, they start to send a couple of statements and then they stop again and again more than ten times. By not sending a reminder statement, they have collected late fees and interest unfairly. They have also adversely affected my credit rating. Why do the government let Citi card get away with such bad business practice?

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 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Over the last 120 days American Express has emailed and mailed me over 17 notices asking me to apply for either the Delta Gold, American Express Green or the American Express Blue card. I have a credit score of over 734 with established credit card accounts with XXXX ( 2 ), XXXX ( 2 ), XXXX XXXX ( 5 ), XXXX XXXX, etc. Oldest credit card line is over 37 years old with no late payments. I believe American Express 's credit approval system is working in an opposite direction than their marketing process, thus misleading many consumers ... promising in their marketing materials you are " pre-approved '' and wanted by them but their electronic process has obvious errors built into their system. I want American Express to stop misleading the consumer with misleading marketing messages and have my application reviewed. 

I am a top loyalty program XXXX flyer with both XXXX and XXXX XXXX memberships. XXXX has told me I am flagged for special treatment if I file any complaints and that they want to keep my flying loyalty. I currently sit on the XXXX XXXX XXXX XXXX for XXXX and deal directly with XXXX and the local airport management as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase cancelled my automatic payment on XXXX XXXX, 2017 which resulted in a missed payment in XXXX. I discovered their error on XXXX XXXX when looking at a statement and wasted over an hour of phone calls with them to resolve the problem. They provided conflicting information about what happened, and then hung up on mu when I asked for my call to be escalated tot a manager. I was financially harmed by their error to the amount of about {$75.00} in a late charge, and also lost several hours of my time dealing with poorly trained and incompetent members of their servicing team. 

During my call with Chase, I was told that they had 2 different user ids and passwords for me to access my account online. This sounds like a security issue and a problem with their systems which should be examined very closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent the police report and cra violation of inaccurate information XXXX XXXX XXXX XXXX XXXX experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine

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 2018-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: OH

Complaint narrative:
I have been making student loan payments for months until I become unemployed. Even while I was employed, I asked to lower my payment of {$1000.00} a month and I was denied. 
I felt lied to because while I was applying for the student loan, they said there are income based payment options. No one worked with me about that. 
So I continued to make $ XXXX payments until become unemployed on XXXX/XXXX/XXXX. 
I initiated the call and explained them that I lost my job and asked for some time until I find a job and continue making my payments. 
Every time I told them I am unemployed and have no money to pay them, they kept calling weekly. Constantly harassing and threatening. Some weeks they called more than once the same week even I spoken to an agent 2 days prior. 
Called me non-stop, kept calling and bothering my mother which she got very frustrated because she could n't understand exactly what they were saying due to English being her second language. 
All I wanted from them is to stop harassing me and give me time until I find a job. 
Instead, they kept threatening me with default and possible legal action. 
I am on the verge of XXXX, and I need a way out and/or some one who can help me make arrangements with them. 
My credit score went from being very good to very bad in a matter of couple of months. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation