vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Circle Internet Financial

Complaint narrative:
I have been using the Circle 's cryptocurrency exchange Poloniex since 2016. 
On XX/XX/XXXX of this year, when logging into my account, I noticed a message saying my account was frozen and I am unable to trade or withdraw any of the assets I have on this account since then. 
I immediately contacted their support team to inform them. 2 months later and after sending them many emails, the reply from support was that my account was under review and that I should just wait. 
The problem is that they are not making any progress after sending them many more messages and asking for more details, they just keep telling me the same thing, that my account is still under review ( now 4 months after informing them ). 

The account holds assets currently worth over XXXX XXXX XXXX dollars. 
Not being able to trade or withdraw these assets is obviously a big problem. 

The fact that they could just freeze my account without even bothering to notify me and give me some kind of explanation was shocking to me and I don't understand why it seems like they are not working on clearing this issue. They say they are working on it but I can't imagine that reviewing an account would take so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
I have never dealt with this company claiming I owe a debt to them of {$460.00} and {$86.00}. I have written letters to the company asking for verification of any information bearing my signature that states I owe their company. They have yet to provide me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My grandfather, who has been declared incompetent, opened this account for me many years ago for the purposes of funding anything I needed while I was in college. Recently, my grandfather became incapacitated and my mother and grandmother both have POA 's signed by the grandfather ( before he was incapacitated ) and filed with the clerk of court. He and we have always been told that when I reach the age of XXXX, the account would automatically transfer as long as I told the bank to transfer the funds and signed a form. Since XXXX, when I turned XXXX, the bank has not allowed me to get any funds out of the account and are demanding that I have a petition filed with the clerk of court and signed. Upon visiting the XXXX County clerk of court, they would not allow the petition to be filed because the law is clear and although my grandfather is incapacitated, he is not refusing me access to my funds. The petition the SECU is demanding to be filed with the clerk is only for someone who is disputing disbursement. We have visited the SECU over 5 times, the clerk 3 times and talked to several people at the corporate office over the phone and they will not release the funds. Furthermore, they indicated the disallowing of disbursement in my account so I could not visit the XXXX branch to get money out as initially done in 2017. That branch originally told us that we would just need to sign a form, after visiting XXXX, they too no longer allowed us to remove any money from the account. I have wasted lots of gas and time trying to get my money, being told 3 different stories and still not being allowed access. If my mother can't exercise the POA because she was told my grandfather doesn't own the account ; if the clerk will not allow me to even file the petition ; if I am not allowed to walk in and ask for the account to be transferred ... then who owns the account? and who has access? It appears the bank is not making sense of its own rules, but my interpretation of the law is clear. 

Pursuant to NC Gen Stat 33A-20. XXXX XXXX has reached the age of XXXX years old, the age of majority in North Carolina. The law states a custodian shall transfer custodial property to the minor upon the date the minor reaches the age of XXXXTransfer all assets to XXXX XXXX under a new account. 

This has caused a great amount of distress and angst for the family as the funds are needed to continue my education and pay for expenses. I have had to continuously borrow money to pay for these things so far.

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 2019-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
My problem is with National Collegiate Trusts. I have been sued in California Courts over an alleged debt. My understanding is that in the case that CFPB brought againt them, they agreed not to sue until these debts have been audited. Is this agreement still in force? If it is, are they vilating this agreement by suing me? Lastly, how can I become a member of this class?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Circle Internet Financial

Complaint narrative:
I have been using the Circle 's cryptocurrency exchange Poloniex since 2016. On XX/XX/XXXX of this year, when logging into my account, I noticed a message saying my account was frozen and I am unable to trade or withdraw any of the assets I have on this account since then. I immediately contacted their support team to inform them. 2 months later and after sending them many emails, the reply from support was that my account was under review and that I should just wait. The problem is that they are not making any progress after sending them many more messages and asking for more details, they just keep telling me the same thing, that my account is still under review ( now 4 months after informing them ). The account holds assets currently worth over XXXX XXXX XXXX dollars. Not being able to trade or withdraw these assets is obviously a big problem. The fact that they could just freeze my account without even bothering to notify me and give me some kind of explanation was shocking to me and I don't understand why it seems like they are not working on clearing this issue. They say they are working on it but I can't imagine that reviewing an account would take so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had an account with XXXX XXXX XXXX. When I was sick my account was overdrawn. I received a letter from a collection agency to settle the account. I settled the account and paid as agreed. XXXX continue to report the account with a balance. I was informed that I had to pay off the remaining balance regardless of the settlement agreement. I was told once the full balance was paid the paid charge off would be removed from my credit report. 

The full amount was paid as agreed and the account still remains on credit report. XXXX XXXX XXXX  still have account on credit report

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 2019-07-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had an account with XXXX XXXX XXXX. When I was sick my account was overdrawn. I received a letter from a collection agency to settle the account. I settled the account and paid as agreed. XXXX continue to report the account with a balance. I was informed that I had to pay off the remaining balance regardless of the settlement agreement. I was told once the full balance was paid the paid charge off would be removed from my credit report. 

The full amount was paid as agreed and the account still remains on credit report. XXXX XXXX unions still have account on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
My complaint concerns XXXX XXXX, doing business as LoanCare. 

This mortgage servicer that bought my loan from another lender. Their phone service makes it impossible to speak to a live person to receive an explanation for the increase in my monthly payment. I want to speak to a live person. Their phone system makes this impossible. Furthermore, their on-line submission link does not work. 

I appears they have established a system to keep customers from fully interacting with them. 

I want to interact with them but they have established barriers at all turns.

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 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: MN

Complaint narrative:
Beginning in XXXX of last year, 2018, one of my loans with Discover Student Loans began being undercharged. I had set up the account in question to make automatic payments, and hadn't thought much about it since, seeing as the point of automatic payments it to be mostly hands off with the account. Each month, the account was paying slightly less than what was owed, creating a blemish on my credit. I did not become aware of the problem until XX/XX/XXXX, when Discover had begun calling my cosigner, my grandmother. I screen calls from scammers, and no message was ever left to my device before they began calling my grandmother. At this time, they were calling my grandmother about an amount equal to approximately {$5.00}. I was in the midst of losing my job at the time, and did not contact them until XX/XX/XXXX, when the account was squared and I complained of the improper charges. I declined setting up my other account for automatic pay, both because I was hoping to get my loans refinanced as well as because they had shown me little reason to put faith in their system. 

I called a second time on XX/XX/XXXX when I realized the same exact thing was still happening. This person finally took the time to inform me that when I had requested being set up for automatic payments, someone had instead set me up for ongoing payments of set increments. They said they had fixed the problem this time. As I had contacted several refinancing places since my last call and found that my credit had been slowly sinking due to Discovers incompetent negligence, I placed my other loan on automatic pay to hopefully help me keep my payments regular and try to repair my credit. 

I called a third time on XX/XX/XXXX when I realized that I had been charged a sum double what I owed on my account newly converted to auto pay, overdrawing my bank account. I had ample money if the appropriate amount had been drawn. They said they would disperse a refund for the difference, stating it would take as many as XXXX business days. It took a full week. 

I am writing my complaint now because three days ago, XX/XX/XXXX, I received a statement via mail that showed my account with {$5.00} overdue. This was the new account, my secondary, larger sum that had only been put on auto-pay on my XX/XX/XXXX call. 

Discover 's incompetence has now been inflicting damage on my credit for 9 straight months, with three attempts to rectify by contacting them, and three complete displays of ineptitude. I have not been able to secure payable rates through any refinancing company in that time, nor have I been able to receive affordable car insurance despite a perfectly clean driving record in the past 4 years thanks to my decaying credit score. The damage Discover has done has cost me exponentially more than the $ XXXX per month and an overdraft from my bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
1. XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ( XXXX XXXX XX/XX/XXXX ) {$5700.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC ( XX/XX/XXXX ) {$22000.00} 3. XXXX XXXX Account Number XXXX ( XX/XX/XXXX ) {$1200.00} 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XX/XX/XXXX ) {$19000.00} 5. XXXX XXXX XXXX XXXX XXXX TX XXXX ( XX/XX/XXXX ) 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XX/XX/XXXX ) {$500.00}, {$1900.00} 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXXl 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX XXXX ( XXXX ) 18. XXXX XXXX XXXX 19.  XXXX 20 . XXXX XXXX XXXX XXXX 21. XXXX Credit/ XXXX XXXX 22. XXXX   23. XXXX XXXX XXXX 24. XXXX XXXX 25. Bankruptcy Chapter 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 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I contacted TransUnion to advise that I have been a victim of identity theft and that someone has applied for credit in my name. I requested that 12 Hard inquiries be removed from my account due to this identity theft but the representatives that I spoke with said that they will not remove the inquiries and that they will stay on my credit report for 2 years from the report date. 

I advised that I did not authorized the following inquiries : XXXX   CARD Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX   Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/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 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/XXXX i filed a dispute with Bank of America as someone opened two accounts in my name. I sent a police report and Bank of America said they will investigate and get back to me. Over two years I actually remembered and called them in XX/XX/XXXX.bank of America said they emailed me the results but had the wrong email, which is a lie! 
1 of the accounts were cleared however the other was not because they couldnt see that far back ( XX/XX/XXXX ). So I disputed that one as well, and again was told they would contact me. Now its XX/XX/XXXX and when i called, they claimed they could not reach me? Lies!! 
Over two in a half years and yet no results? Even after i did what they asked me to do.

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 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I have had numerous calls from a lady who claims to be calling from an attorney 's office in an attempt to collect an old credit debt sent off to collections. This started last XXXX, when I spoke with the lady she claimed that I needed to pay {$8000.00} by the end of the day, that the interest had accrued that much. When I got off the phone with her after telling her I would see what I could do, I called Wells Fargo. Wells Fargo told me to go into my Wells Fargo bank. The banker made numerous calls and finally was able to find out that the account was in fact charged off and gave me the name of the company and also the number. After I called XXXX XXXX they informed me that the account had been settled and dismissed with prejudice. This company or whoever they are continue to harass me and have now started calling my current employer. I need this to stop.

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 2019-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I had accounts with Synchrony Bank ( CD 's and Savings ). I liquidated accounts to move to another bank with higher interest rates. Synchrony Bank made errors when they liquidated my accounts and when sending the wire to my new bank. This error caused my funds to be held for several days as Synchrony Bank tried to work out thier errors. When this was all said and done Synchrony Bank sent some funds via check and wire transfer. When I noticed I was missing some interest payment Synchrony Bank did a review. They said they found that I was missing over {$900.00} in interest payment which was close to my figures of {$1000.00}. The bank claimed that I would recieve a check for the back interest. Several weeks went by and I never recieved the check. 
I have called Synchrony Bank several time over the last few months always getting someone new and different answers. 
1. I was told I have no accounts.

2. I was told that checks for the back interest were comming.

3. I was told that the bank did research and no funds were owed to my.

My figures show they owe me back interest. The bank agreed but is no longer taking my calls for this payment serious. Can you help?

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 2019-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
Convergent has called upwards of 30 times since XX/XX/2019. They are looking for someone named XXXX. There is no one at my business address named XXXX and the phone number belongs to an account with the name XXXX. Each time I have answered I have told them there is no one here by that name and they need to stop calling while removing the number from their list. They have not. 

I filed a complaint with the FTC on XXXX XX/XX/XXXX ( FTC Report Number XXXX ). Since then they have called and been told the complaint was filed. Despite this they have called twice more, XXXX XX/XX/XXXX @ XXXX and XXXX XXXX at XXXX, and been told again not to call.

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