vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Procollect Collections : On XX/XX/XXXX I paid my account, in full, in the amount of {$1300.00}. On that day I was told, via phone, that I would receive a paid in full letter. When I called to check on the status of my paid in full letter, I was told that I would NOT be receiving a paid in full letter because they " found '' another account from an apartment dating back to XX/XX/XXXX. This account was NEVER reported on my credit report nor did I ever receive notice of another delinquent account. Procollect never mailed me anything, even after receiving an updated address for me. My money was taken, but it was not used to fulfill my VALID debt obligation. Instead, it was split between two different accounts, once of which, is NOT valid.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NE

Complaint narrative:
OnXX/XX/XXXX, I had made 3 different transactions for {$100.00} each to 3 separate Crypto Currencies thru the website called Coinbase. I have been trying to reach out to the Coinbase contacts and no response. It is nowXX/XX/XXXX and I still have no money in my account on their website. It looks like thru other forum sites that I am not the only person that is having issues with getting deposits to work on Coinbase. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have no knowledge of this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I am on an income based repayment plan, I paid XXXX in XX/XX/XXXX, I started getting get calls every day at XXXX the next day. I have called and ask not to be called. I get pre recorded calls, not a person. These calls are disrupting my family. I changed the phone number to contact me. My mom continues to get the calls from navient someone named XXXX. When she answers, it 's a recording. When I call back, I speak to whomever answers the phone, I ask not to be called, emailed or texted. I am assured the calls will stop, they have not! Mom still gets the calls each and every day at XXXX. 

Just got a call from XXXX XXXX XXXX XXXX @ XXXX. Stop this harrassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have no knowledge of this 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 2018-01-08 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: CA

Complaint narrative:
Back in XX/XX/XXXX I transferred all my credits from XXXX college to XXXX XXXX, graduated in XX/XX/XXXX ; however, the school was shut down and no longer accredited. Step 2 : What type of problem are you having? I 've been to several job interviews and my degree is not accepted due to the accreditation. I 've been told the that my transcript and degree not accepted or recognized. I lost my job on XX/XX/XXXX,  currently back in school pursuing another degree at a XXXX  college. Step 3 : What happened? The Board of Education did not recognize XXXX XXXX ; therefore, the grades/transcripts are not transferable and degree not recognized. Step 4 : What company is this complaint about? XXXX XXXX, CA Step 5 : Who are the people involved? I currently owe money to NAVIET ( Private Loan ) Total {$14000.00} and XXXX ( Department of Education ) Total {$39000.00}. My original loan was {$77.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: GA

Complaint narrative:
I attended XXXX University from XX/XX/XXXX to XX/XX/XXXXand all my loans were federal loans. I am paying on those loans now. All of a sudden I am getting a debt collection from a company named Cedar Financial who says I owe them XXXX. Which I do not owe I owe the Federal Student loan not them. I have also done my research and they are not allowed to collect a debt in the state of Florida and would like this removed from my credit reports. XXXX, XXXX and XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
several people made cash deposits in well-fargo establishments, they elegant that these transactions are fraudulent and closed the account, now I can not withdraw the money.

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 — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been repaying the student loan for about 4 years now after it was left to go delinquent by the other party on the loan. Navient has been steadily raising the interest rate on the loan, now over 12 %. I have made multiple requests to have the interest rate lowered and those requests have been denied. Such a high interest rate ensure 's that I will likely default on this loan and ruin my credit. I have attempted to renegotiate this loan with other companies such as XXXX but since it is not in my name I am not allowed to subsume the loan. The other party on the loan has such poor credit they would not be allowed transfer the loan to a new 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: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a Home Depot credit card through Citibank that was paid through a Chapter XXXX Bankruptcy. The bankruptcy was discharged in XXXX of 2017. The company now has my status as derogatory after it was satisfied in my bankruptcy.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
SouthWest Credit Systems on my XXXX report has it that I owe XXXX XXXX {$390.00}. Back on XXXX XXXX, 2015. That 's impossible, because I was XXXX in XXXX on the above mentioned date.

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: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was informed by XXXX/XXXX XXXX that my account would be closed at the end of 2017 because they were discontinuing the card. As I was checking my account, I found out that they charged me an annual fee on XX/XX/17 for {$49.00}, 4 days before they closed my account. This is blatant theft and wrong. Others should know about this so they do n't get ripped off.

Company response to consumer: Closed with non-monetary relief
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 — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For several years Equifax has been reporting inaccurate information on my credit report as it pertains to the XXXX XXXX XXXX in the handling of my student loans, not to mention of reporting the same loans more than once. My student loans are paid in full and is showing as delinquent and has an negative impact on my credit score and has been for years of not being able to obtain anything. In satisfaction for reporting this inaccurate and duplicating nightmare it will only be fair that Equifax delete this information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I applied at XXXX XXXX XXXX XXXX and was denied opening an account. I was not given a reason instead I was sent a letter from XXXX XXXX XXXX in regard to account that I had with USAA which was closed by USAA without notice to me. The account status according to early warning is closed and no balances are or were owed upon the closing to the account. Since then my name and social have been submitted and I am unable to open a new account with XXXX XXXX XXXX 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: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had been quoting with local companies for a sign to go on top of my new art studio. I found one company that seemed reasonable on XXXX. I reached out to them and was quoted a certain amount. I confirmed with the company that the price included the proper permitting required by XXXX County, Fl. I then went into the bank and requested a {$1000.00} cashiers check to XXXX XXXX XXXX, XXXX XXXX which would have been half of the total cost. I have an account with XXXX XXXX XXXX. I walked into the bank on or around XX/XX/XXXX and requested a cashiers check, the funds were withdrawn with a teller and the check was drawn from my connected business checking account. I requested this because I wanted the payment to the company to come from XXXX XXXX XXXX which is my business account, but that is neither here nor there. I then drove over to my studio and met with the associate from XXXX XXXX XXXX, XXXX. His name was XXXX XXXX. Upon further speaking with him, he was trying to convince me that I did not need a permit and I declined to do business with him. I placed the check and the quote along with some other documents in my vehicle and thought nothing else about it until it became missing. I contacted my bank to report the check missing and then upon XXXX XXXX XXXX 's investigation, the same man deposited the check in his account at Regions bank. I immediately filed a claim with XXXX XXXX XXXX to retrieve my funds. The claim number is XXXX. Upon further investigation by me, I contacted the actual owner of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told that they are aware of who this man is, that he does not even work for XXXX XXXX XXXX, XXXX, he is a thief and many customers have been calling and there are active suits regarding this man impersonating this company and I was not the first person that he stole from. He also that his attorneys are aware and also fighting to stop this mans activities. I have been being told by XXXX XXXX XXXX that they have sent several request to Regions bank to retrieve the funds and have been awaiting with no response. I am filing this case with hopes that you can look into this situation and find a resolve. 

Kindest regards

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: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a auto loan through Wells Fargo Auto that was satified through a Chapter XXXX bankruptcy that was dischsrged in XXXX 2017. Now the commpany is reporting the status of the account as derogatory even though it has been satisfied.

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 2018-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XXXX XXXX order # XXXX for purchase & high wall mount install of 43 '' XXXX TV, XXXX XXXX Purchased gift for me by my son XXXX XXXX XXXX XXXX his credit card for XXXX XXXX XXXXnstall on XXXX/XXXX/XXXX. 
Delivery of wrong mount & reorder XXXX/XXXX/XXXX, correct mount BBY XXXX, additional {$200.00} cc. 
Install XXXX/XXXX/XXXX, XXXX to XXXX by XXXX XXXX XXXX XXXX --, demo ok, another $ XXXX & refused return-credit. 
Not touched after demo, no service XXXX next morning, spent entire day with all involved, no success. 
XXXX XXXX 's would not come until the following Tuesday XXXX/XXXX/XXXX order XXXX. Sunday XXXX/XXXX/XXXX my repair tech found the cable installed by XXXX XXXX tech XXXX -- broke at connection, too short. He installed a replacement 15 ' HDMi cable {$32.00} and 1 hour service call!. My appeals for $ $ $ Satisfaction and Application of XXXX XXXX  's Policies have died at the Store Manager 's level. Attachments support all the foregoing!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I recently tried to purchase a vehicle and noticed I had several credit cards with outstanding balances. I have never taken out a credit card. I am currently a victim of identity theft. I have called several of the banks with outstanding balances and have closed some. ( so they say ) Accounts range from XX/XX/XXXX to  XX/XX/XXXX. that would mean someone has been using my social since I was the age of XXXX. 

Originally XXXX XXXX then sent to resurgent ( 3rd party debt collector ) amount due : {$2000.00} date opened : XX/XX/XXXX I was XXXX in this year I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX amount due : {$2400.00} date opened : XX/XX/XXXX I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX ( 2 accts ) amount due : {$0.00} date opened : XX/XX/XXXX ( XXXX yrs old ) amount due : {$530.00} date opened : XX/XX/XXXX I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX XXXX XXXX amount due : {$1400.00} date opened : XX/XX/XXXX have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

I have called the 800 # s of these banks none of them had my actual personal information and I was told that there is an authorized user on them. 

address discrepancies contact info discrepancies age discrepancies

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

Complaint narrative:
I took this private loan out in 2013 to cover costs that my financial aid and student loans wouldnt cover. I submitted a deferment/forbearance request mid last year since i have been having these loans deferred since 2013 and after speaking with the agency they told me that they didnt receive it. So, they offered me a lump sum amount to pay off which i could not afford and a monthly payment which i also could not afford. So now the loans were sent to another agency and is in collection and has lowered my credit score due to derogatory marks on my credit. I need some help on what to do. Thank you.

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: Credit card or prepaid card — Store credit 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: NJ

Complaint narrative:
I ordered multiple items from XXXX and there was a problem with their system that day so I had to call to speak to a customer service representative. When she processed my order she put in the wrong street name even though it was already correctly in on my account online. I later received an email and noticed that the street address was wrong and called to correct it, it was never corrected even though I made several calls to ask them to correct it. All the items were shipped out to an undeliverable address and the items I ordered for XXXX, On XX/XX/XXXX, were not going to make it here for XXXX. I was told I could reorder them, but they would not credit my account until after 10 days. I was also told it would cost me more money at this point. I asked to cancel the order. I never received the items. For some reason two items were sent here I went to a XXXX store and tried to return them, but when the clerk tried to return them it said that I was already credited for them. She then shipped them back for me and XXXX only credited me for one of them! I have literally spent hours, at least 6 on the phone with XXXX customer service. Sometimes I have been put on hold only to be hung up on after holding for over 30 minutes. I have been told the charges are all removed yet there is still a little over 29.00 on my account. I did not receive any items but the two necklaces and I returned them both so there is no reason for there to be a charge. I returned these items on XX/XX/17 so I can not understand why XXXX cant get this resolved by now. Its outrageous. Ive also asked they close the accounts but havent. I have cut our cards up thinking the account was closed and this was resolved as they told me it was, but now that it isnt they wont give me my account number

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/XXXX, I authorized a PayPal purchase from XXXX XXXX in the amount of {$86.00}. Previously learning from a PayPal representative that I must manually go into my account to switch the payment method from my checking account BACK to my preferred method of PayPal Credit, I did so, so the purchase would post to PayPal credit. When I checked my bank account, PayPal had deducted the purchase from my CHECKING. Upon calling PayPal because I knew I manually switched the payment method to the credit option, the representative confirmed that I did go in and change it, but PayPal switched it back because, basically, THEY wanted to. PayPal negated my choice and just took money out of my checking account without the authorization from me for this purchase. This is the SECOND time they have changed my payment method without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: IL

Complaint narrative:
Received calls from XXXX multiple times in the past week. Voicemail indicated that they were trying to collect a debt but did not say my name, what the debt was for, who they were collecting the debt on behalf of, or the amount owed. Search for phone number XXXX indicated that others had the same issue. The phone number they told me to call back was XXXX, which also generated a negative search. 

I want the calls to stop and the scam put to a halt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I am a public employee. I applied for the publc loan forgiveness plan for myself and my wife ( both XXXX  ). I have called them many times over the years and they assured me I, and my wife were on track. They sold our loans out to another lender and still assured me it would not affect my Public Loan Forgiveness status. I now find after filling out the paper work we do n't qualify. On many occasions I have called them and they gave me no information. I have waited for this forgiveness for ten years only to be told due to some weird technicality I do n't qualify.

Company response to consumer: Closed with explanation