vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I have a collection on my credit reports from a collection agency called XXXX XXXX XXXX. I have no knowledge of this debt. The company lists XXXX XXXX as the original creditor. I have never had Services with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: NV

Complaint narrative:
XXXX XXXX is alleging that I owe them {$690.00}. I did not breach my rental contract and do not understand the charges against me. I have attempted to resolve the matter but every time I try, the claim that I owe them additional monies. I believe that I am a victim of fraud and unfair business tactics. Management is run very poorly, and one person says one thing, another says another thing. I do have documentation to prove my innocence.

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 2019-04-17 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: NY

Complaint narrative:
My social security number was illegally stolen, used and traded by the following person : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I filed a complaint with the FTC. My FTC Complaint # is XXXX. The following accounts need to be deleted from my credit profile immediately. 

2 accounts were fraudulently opened in my name.

1 ) XXXX XXXX XXXX - Limit {$700.00} Opened : XX/XX/XXXX 2 ) XXXX XXXX Limit  {$300.00} Opened : 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 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
I have a collection on my credit reports from a collection agency called Convergent Outsourcing. They list the original creditor as XXXX. I have NEVER had dealing or any type of business with XXXX. This collection does not belong to 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 explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: NV

Complaint narrative:
XXXX XXXX  is alleging that I owe them {$690.00}. I did not breach my rental contract and do not understand the charges against me. I have attempted to resolve the matter but every time I try, the claim that I owe them additional monies. I believe that I am a victim of fraud and unfair business tactics. Management is run very poorly, and one person says one thing, another says another thing. I do have documentation to prove my innocence.

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 2019-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have asked Wells Fargo bank to add my husband as a authorize person on my account since XXXX of XX/XX/XXXX. I have sent a notarized power attorney several times. I want to know in writing why my husband can't be added. My husband have been a authorized person on this account since XXXX 

Also I want to know about my loan modification, I applied for a loan modification back inXX/XX/XXXX I have been asking what documents do Wells Fargo need to complete the process. As of today I have not receive a clear answer. I have asked for a settlement offer on the account, still no clear answer. 
I have asked that the executive office of the president to get involved still no answer. I have had at least 10 people from the office of the president to contact me with no answer. 
I am asking Wells Fargo to Put in writing why I can't add my husband as a authorized person on my loan? Why I don't qualify for a loan modification? Why I am been pressed to do a short sale which will only benefit Wells Fargo? Also why we can't negotiate a settlement on this account? Also why you have contact my place of employment without my permission. A no contact letter have been on file since the origination of this loan. Wells Fargo is using unethical and miss leading practices to steal my home.

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 2019-04-17 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: AL

Complaint narrative:
Ive been calling them and they would not help me at all I am a victim of a inquiry issue all of the inquiry on my credit report are not mines I dont apply for nothing.

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 2019-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXXAM ( Friday ), I initiated a wire transfer to Coinbase Inc. for the amount of {$3500.00} from XXXX XXXX XXXX 

According to Coinbase Pro : " Bank wire transfers may be credited to your Coinbase Pro account on the same day if submitted by XXXX PM PT. Otherwise, funds will be available after one business day. '' I have made several attempts to contact support and locate my funds ( and they have confirmed the funds have received notice of the wire on their end ). The best they can do is relay me to a 'specialist ' via email. I asked to speak to a specialist directly, and they do not have that as an option. Email responses are scripted. There are over 7,100 people on XXXX with the same issue. Please do something about this. This is fraud and false advertisement. 

I have confirmation from XXXX XXXX that they have indeed received the funds on XX/XX/2019. 

Coinbase Case # XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP
State: KY

Complaint narrative:
My husband died XX/XX/XXXX suddenly. With his death I could no longer afford my home mortgage with Selene Finance located in XXXX, Texas. I lost 70 % of my income when my husband died. I owed {$140000.00}, I discussed alternatives with Selene Finance as I fell behind in payments. I was actually told the best thing would be to surrender the house ie deed-in-lieu of foreclosure. This was XX/XX/XXXX. I was told to vacate the property within 30 days. I had only a short time to find a new place to live. I was told to make sure the home was swept clean and emptied which it was which I borrowed money and my family generously paid my moving expenses. I thought all was decided and the mortgage company said that if I did the above I would receive {$2000.00} upon move out date XX/XX/XXXX. I complied ... ..It is now XX/XX/XXXX and I have received nothing but grief and excuses from this company and finally went to legal aid and got some advice from an attorney advocate who told me that they were not allowed to ask me to move at that time and that the move was emotionally and financially devastating besides grieving the loss of my husband. A realtor tried to do a short sale and was offered {$110000.00} which was a great offer but the person XXXX XXXX with Selene Mortgage has sabotaged everything that we have tried to settle this. The realtor has worked with him as well as the attorney advocate and no one can get this situation resolved which i think he just wants to foreclose and why I don't know, His company will make a lot less money by foreclosure and he will not get {$110000.00}. for the property, The longer it sits empty the more it will depreciate. It already has siding missing from a storm which my insurance company wanted me to pay a {$2000.00} deductible on. I did not have the money to do that. I am at my wits end with Selene Finance. Mr . XXXX finds one excuse after another. I am a XXXX year old widow who feels after evacuating my home, lost all my money and feel as if everything has been taken away from me. I have documents proving that I was told to leave my home in 30 days and that I would receive a {$2000.00} 'Relocation Assistance ''. Never seen a cent ... .worse than all of this I can not grieve the death of my husband due to dealing with this everyday since his death. There seems no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I have been enrolled in auto-debit with fedloan. Payment did not get withdrawn on time and there was no note on the website acknowledging that the payment was pending. In order to prevent a late payment on my loans, I submitted a manual payment. Afterward, I called fedloan and the representative told me that just one payment was pending. Then, the next day, the manual payment went through and my auto debit withdrawal went through, so I ended up submitting 2 payments instead of 1. When I called fedloan, the representative said that I will receive a refund of the payment I submitted manually within 60 days. The representative said I will not receive an email or any record confirming that I will receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My social security number was illegally stolen, used and traded by the following person : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I filed a complaint with the XXXX. My XXXX Complaint # is XXXX. The following accounts need to be deleted from my credit profile immediately. 

2 accounts were fraudulently opened in my name. 
1 ) XXXX XXXX XXXX - Limit {$700.00} Opened : XX/XX/XXXX 2 ) XXXX  XXXX Limit {$300.00} Opened : 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 2019-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX sent me a letter indicating that I owe {$1600.00} to my previous property management company XXXX. I moved on XX/XX/XXXX, which was early. I had until XX/XX/XXXX. Since the apartment was roach infested I wanted to move asap. They kept my security deposit and charged me for alleged damage to the unit. I contacted XXXX XXXX to dispute all of the charges and they threatened to put this account on my credit report if I did not pay. I have a right to receive any itemization of charges. On XX/XX/XXXX, XXXX XXXX sent me the list of itemized charges which again I disputed. Now less than a month, this account showed up on my credit reports. These charges are fraudulent. I should not be charged for blind replacement or painting. I had hardwood floors yet they charged me for carpet cleaning. Damaged kitchen cabinet and damaged flooring is very bizarre. Where are the pictures?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Used XXXX for first time with Bank of America. A buyer for an item sent me a cashiers check which I deposited to my account. the bank accepted and deposited it into my account but a day or so later then took the money back from my account. When I called to inquire, They stated that they found out the check was counterfeit. Of course by then I had already transferred money deposited from the cashiers check to someone at the scammers request through XXXX. Amount lost was a whopping {$1300.00}. Now my account is overdrawn and I cant pay my bills. I have had BOA for 25 and trusted them and never had any issues nor been a victim of a scam yet they wont help me get my money back. They promote XXXX on their mobile app but they really shouldnt since they arent backing the fraud and scams with it. Can you please 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 explanation
Consumer complaint received 2019-04-17 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: CA

Complaint narrative:
I am being robo-call harassed daily by a collection company called Porfolio Recovery Associates. They are calling in an attempt to collect on an old debt long past the Statute Of Limitations. They are trying to trick and bully me into making a payment to reset the SOL clock. I have repeatedly told them that they do not have my permission to call my phone. I have ask them to stop calling me and to take my number out of their robo-call system. They have ignored my requests and continue with the unwanted robocall. I would like to sue Porfolio Recovery Associates in a court of law for {$1500.00} per robocall and am now keeping a log of their continued harassment. These near constant robocall are causing me mental and physical stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
I have a collection on my credit reports from a collection agency called Commonwealth Financial. This collection agency is reporting a collection that has already been disputed and removed by XXXX XXXX. This collection was not mine and now they are trying to collect on the very same account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
The company Sallie Mae was taken to court for defrauding service members such as myself in XX/XX/XXXX.  My account was settled they issued a notice and release of claims. My loans were to be removed and I was to be paid a fee in exchange for not pursuing any further claims for damages. They were found guilty of fraud thereby violating the terms of the agreement rendering the contract no longer valid. Since then the company Sallie Mae transferred the old loans which were no longer valid to Navient who has now begun to harass me and reported to the credit agencies that I'm delinquent and they split it into 6 different accounts and this remains the status as of XX/XX/XXXX. The calls started in XX/XX/XXXX they pressured me into forbearance while I looked for the old paperwork to figure out the situation. They added on a bunch of fees and interest as well. The matter has already been litigated as I pointed out earlier. I have requested validation of the debt. I have demanded the original hand written promissory note signed between myself and Sallie Mae. I have also requested any and all documentation involving my loan to include the settlement documents from the previous litigation between Sallie Mae and the federal government in the state of California. They have not complied as I doubt they have any of the paperwork or they have it and are aware it proves the case of fraud against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I have been dealing with the company XXXX for a year and a half. In that time, I have had to contact them MULTIPLE TIMES as to the fact that 1 ) I never receive a bill and 2 ) the fact that they report me as being late to credit agencies when the bill is not even due. I made a report to this agency about this XX/XX/2019 and they lied to you saying that they had not reported me as being delinquent in my payments to the credit agency when in fact they had. Someone really needs to investigate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My direct deposit is missing, it has been over two days and my employer says the transaction is still pending. It is now Tuesday ( XX/XX/19 ) at XXXX XXXX and I usually get my money Sunday night, XXXX Monday ( payday ) the latest. I called the # on back of card SEVERAL times, I only get the automated voice messaging system. I need to speak to an ACTUAL person to know WHY my money is not coming through. I called AMEX corporate and they tell me they can not help me. Shed many tears, cant pay some bills and may miss out on work this week because I have no money for gas  to get there. I will be forced to take the appropriate legal action if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been having issued getting Navient to comply with documenting me on information they are reporting to Credit reporting Agencies under my file. information is reporting in duplicate and triplicate, reflecting accounting practices which I find discerning. I have fought them so that they accurately report paid accounts and document amount 's owed. The amounts have fluctuated wildly and the company insists documentation was provided to the CRA 's ( XXXX, XXXX and XXXX ) but has yet to actually investigate and copy me as to the matter. 

I have paid accounts and have tried to deal with the company to no avail. The university I attended is defunct. 

I need assistance in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
The following XXXX credit card account ending in XXXX is a fraudulent account. I never applied for the credit card account. I am a victim of identity theft and have been a identity theft victim for over XXXX yrs. Someone stole my identity and applied for the account using my personal information. The XXXX credit card account and the balance of {$4300.00} I snt mine and dont belong to 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 explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion will not allow me to get my credit report. They have invalid information in the report. They ask me identifying questions and when I answer them correctly they tell me theyre unable to verify my identity because I answered the questions incorrectly. They have my name listed incorrectly as well. One question they asked me is my last two employers. They have me listed as working at XXXX. Im a XXXX at my current employer of 16 years. The second question they said I answered incorrectly is my mortgage company, XXXX XXXX. Well, I pay it every month and have for five years. Help me, please.

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