vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Hello, I have been contacting this company for well over a month and spoken to numerous representatives and managers to resolve the debt. Everyone lies and transfers calls. 

Since XX/XX/XXXX, I have faxed, called, and emailed over 30 times getting the runaround, hung up on, misinformation, confusion, and incompetent stall tactics. I spoke with a manager XXXX handling XXXX accounts who assured me that since I lived in the state of New York, I had to email a statement saying I gave Convergent permission to email me and we agreed I would settle this account for {$250.00}. I emailed immediately while she was on the phone to a # clerks email. I called the next day as she requested so I could pay it and interestingly when I asked for the same manager she was " in a meeting ''. Then I called that afternoon and reps hung up the phone or transferred me all over the place. ALL I WANTED TO DO WAS PAY. Who does this to someone just wanting to pay? 

They never sent the invoice as THE MANAGER told me that department would so I could have proof of what we agreed before I paid. Another week goes by with me calling and still no resolution. She even tells me there is SEPARATE UNNAMED DEPARTMENT that I can not communicate with who handles email correspondence. Yesterday, I coincidentally got transferred to XXXX again, reminded her who I was and reminded her that nothing she told me was true. She then tells me they have a NEW EMAIL ADDRESS and that she gave me the wrong one 3 weeks ago! I was stunned. So I email that account 3 times - XXXX - how convenient that a new email address pops up. 

I paid off this debt XX/XX/XXXX in good faith with XXXX and STILL HAVE NOT RECEIVED A RECEIPT stating this matter is settled TO MY EMAIL. 

TODAY - I was just put on hold at XXXX XXXX this morning, XX/XX/XXXX as I am writing this. The representative said she had to figure out what department sends receipts???? I was on hold for 15 minutes and I hung up because I knew from experience that rep was not coming back to the phone. 

This company is evil and corrupt. How long does it take to send a 30 second email? I want my receipt so I can move on with my life and never have to deal with this company again. They should be shut down. They have no corporate numbers to call and bogus websites, and all this confusion. I can't believe this company is allowed to be in existence with all the negative reviews and complaints all over the internet. 

Disclaimer : This debt is under my maiden name, Do not let them say they can not find 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 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a 2 hard inquiries both from XXXX that I did not do : XX/XX/2016 XX/XX/2016 I spoke to them about it and they confirmed on the call that I was not the person who tried to open these accounts. I notified the credit reporting bureaus but they are still showing up on my credit report. I would like to have both these hard inquiries. removed.

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 2018-04-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a 2 hard inquiries both from XXXX that I did not do : XX/XX/2016 XX/XX/2016 I spoke to them about it and they confirmed on the call that I was not the person who tried to open these accounts. I notified the credit reporting bureaus but they are still showing up on my credit report. I would like to have both these hard inquiries. removed.

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 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/2018 I opened a Bank of America checking account and received an account approval letter. Please see the attached for the approval letter. After I changed my direct deposit information with the new account, Bank of America involuntarily closed my account without warning or notice. Since this is in direct opposition to account approval letter I did receive, this is fraud and outside of the terms.

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 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA has made a practice of repeatedly reordering items to charge overdraft fees on my account. On XX/XX/XXXX, I had a {$29.00} charge to a store called XXXX XXXX leaving {$40.00} in the account. A pending debit charge for {$50.00} cleared on XX/XX/XXXX. USAA admitted it was the {$50.00} debit charge that was " pending '' on the XXXX that caused the available balance to be negative XXXX dollars on the XXXX. Because they are not allowed to charge overdraft fees on debit purchases because I have opted out of overdraft protection, they stated the {$29.00} ACH made the account negative, even though it came first and there was {$40.00} left in the account after that charge. They said that since the {$29.00} charge was the only charge that actually went through that day, thats the one they needed to charge the fee on. I said if the other charge didn't " actually go through '' until the XXXX, I shouldn't be charged any fee anyway because on the XXXX there was a deposit for {$280.00}, which more than covered it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: CA

Complaint narrative:
XXXX is reporting the same account twice to the credit agencies. I only have One open credit card account with XXXX. The account was open XX/XX/2015, balance {$1000.00}. 

XXXX XXXX is not reporting my XXXX XXXX XXXX credit card to all three credit bureaus. Balance is {$500.00} XXXX is not reporting my XXXX XXXX  XXXX credit card to the credit bureaus. Balance is {$1500.00} XXXX XXXX XXXX is not reporting my XXXX XXXX Credit card to all credit bureaus. Balance is {$2200.00}

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 2018-04-04 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: KY

Complaint narrative:
My complaint is about coinbase. They state funds should be available between 48 hours of your tranfer from your vault to your account. My withdraw was initiated on XX/XX/XXXX for XXXX Bitcoin. At the time Bitcoins value was about 40 % higher than it is right now. I also did the same with my XXXX and XXXX vaults. 

I have emailed, called countless times etc. I am debating a law suit. The only answer they give me is that my complaint was escalated. No answers, no updates, nothing but a scripted response. 

This is a Billion dollar company. They either don't care or it is a fraud. 

My next complaint is to the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
My ex-wife claimed bankruptcy a little over two years ago. Included in the bankruptcy was a XXXX XXXX in which I was a co-signer. As a result of the bankruptcy, Ally started to report " late payments '' on my credit report. Which was a lie because they were receiving " on time '' payments through my ex-wife 's bankruptcy. My ex-wife 's lawyer contacted Ally directly. Ally agreed to stop reporting late payments in which they did. However, now they refuse to go back and correct the previous months. As a result, my credit score is low. I'm wanting to refinance my home and now I can't. 

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 explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
XXXX allowed multiple simultaneous fraudulent accounts to be opened using my social security number in XXXX. The accounts were opened under different names with different phone numbers and different addresses. The fraudulent XXXX accounts are # XXXX and # XXXX I was never notified of these fraudulent accounts until after the debts had been forwarded to Diversified Consultants who started to attempt to collect the debt by reporting these to the three main credit bureaus. My credit score dropped about 150 points which was the first time I became aware of false reporting on my credit reports for fraudulent accounts. I filed fraudulent account affidavits per the process through XXXX on XX/XX/XXXX. They have not closed the accounts nor stopped collection activities. I spoke with XXXX XXXX on XX/XX/XXXX from XXXX regarding these issues who said that they still required a copy of a police report and would not close these fraudulent accounts. I provided a police report number on the affidavit in addition to the other identification and proof of residency documentation. The affidavit form did not say that a police report was required to close this investigation. They are asking me to take a day off of work to go to XXXX public records to get a copy of a police report for them. I have completed all of the requested steps already to close these accounts. 

I would like the debt collection records removed from my credit reports by Diversified Consultants. I would like XXXX XXXX to stop collecting these fraudulent debts. I would like letters from both of these companies stating that they have stopped collection activities and removed debt collection records from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 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: Stuart-Lippman and Associates, Inc
State: PA

Complaint narrative:
I was suppose to work for a company by the name of XXXX XXXX. In 9 months nothing materialized and we mutually decided to end the contract. Once it was ended, I received notices from a debt collector Stuart Lippman and Associates. They stated that I owed XXXX XXXX for E & O Insurance through XXXX XXXX. I asked them for the policy that bears my name so that I can have the policy cancelled, as I have E & O that I purchased through XXXX. I explained to them that I am in the process of disputing this with XXXX XXXX and they told me that if I don't pay they will put this debt on my credit profile. I am in the process of purchasing a home, and I no longer can get the rate I had once I applied because since they did this, my credit has suffered as it dropped 40 points. I have had NOTHING negative on my credit in 5 years I worked very hard to get a good credit rating, and now I no longer qualify for the tier I was approved for and I am an Insurance Broker and I cant work for Companies with negative credit. I have continuously asked them to validate the debt by sending my the policy and instead they did just what they said and put this negative information on my credit profile. This has really affected me negatively and I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: Harley Davidson Financial Services Inc
State: NY

Complaint narrative:
Harley Davidson is reflecting a " negative '' criteria on all three of my credit reporting agencies ( XXXX XXXX, XXXX  & XXXX ). 
This account was opened in XXXX of 2011.There is no past due amount, there is nothing owed on this account. This account is paid in full AND they have made a profit on this loan! 
It is showing a one time 30 day late! I was never late, non the less this company continues to send me paraphernalia as I am a CUSTOMER IN GOOD STANDING with offers to purchase another motorcycle. I have no problem with this, however if I am such a great customer, why is my account not reflecting positive - as it should. I am also a member of their XXXX XXXX and have done many sponsored charity runs that the group promotes enthusiastically as it is common human concept of respect to help others. 

This account is indicating " closed '' it is PAID IN FULL and the company made a profit on my loan! I have attached a photo of my account which indicates that I am a customer in GOOD STANDING! You can see in the lower right hand corner the date is today! 

This negative criteria is creating consumer harm and vetting for job and college loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
My husband and I have submitted a loan modification 3 times in the last 5 months and keep being denied, due to monthly payment increase, according to Carrington mortgage. They will not work with us to help keep our home. I've talked to their loss mitigation department several times about this situation. They are also charging frivolous charges for things that shouldn't pertain to our situation. Every attempt of sending them money has been returned to us because the amount wasn't enough for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NAM National Arbitration and Mediation
State: LA

Complaint narrative:
I don't know who this is or what this is all about but I keep getting these phone messages from someone named XXXX from an ( XXXX ) XXXX phone number saying that legal action will be taking place and I will be arrested for so debt I know nothing about. I've never received anything in the mail and this man has contacted my ex-husband.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was purchasing a {$3500.00} television at Best Buy store and was told I could get 10 % back in store rewards if I signed up for the Best Buy Credit Card with Citi Bank. I filled out the application including yearly income over {$200000.00} and no mortgage debt. I always pay of my XXXX XXXX   bill to avoid interest. The Citibank Rep denied offering me the Best Buy card ( thus no rebate ) instead wanted me to get a gold card with yearly charge of {$59.00}. I did not accept the offer and did not purchase the tv. A return call to the bank confirmed the denial was based on incomplete credit history! The Best Buy brochure code is XXXX and late fees of {$38.00} and interest on carried bills of 26.49 % APR! I think that if I ran Citi Bank or Best Buy I would want many many customers like 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 2018-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
GENTLEMEN : THE FOLLOWING, MOST RECENT LETTER TO WELLS FARGO EXPLAINS MY ISSUE. 
I HAVE TO PUT THOSE NECESSARY DETAILS WHICH SHALL ENABLE YOU HELP ME. 
I AM LIMITING A/C INFORMATION BY INDICATING JUST LAST DIGITS. 
THANK YOU. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ** Ref. : a/c XXXX of XXXX XXXX & XXXX XXXX XXXX Gentlemen : Dear XXXX XXXX XXXX XXXX : Dear XXXX XXXX XXXX : With reference to my above mentioned account and to my recent XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX visits to your branch, please, TAKE NOTICE : 1 ) Since XX/XX/XXXX, XXXX XXXX XXXX . for unexplained, unjustifiable and abusive activity is illegally retaining my sizable $ XXXX-plus balance, 2 ) Since on XX/XX/XXXX, Wells Fargo Officers in address, still refused to release my money unless " a retaliatory, coercing '' affidavit of responsibility (?? ) had been signed by me, 3 ) Since, as brought to Wells Fargo Officers ' attention, I have to purchase an apartment at the XXXX XXXX, XXXX, FL XXXX and I am in dire need to funding that purchase, Wells Fargo is hereby requested to immediately and not later that today, XX/XX/XXXX, to pay/ transfer/ deposit my available, full balance at Wells Fargo , to my account : XXXX XXXX XXXX XXXX at : XXXX XXXX XXXX  , XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ***Take further notice that by further denying / refusing / omitting this final request, XXXX XXXX XXXX . will respond in the avenue of Justice for any subsequent damage in any form and consequence however  caused to the undersigned. 

XXXX XXXX XXXX email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Unauthorized Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2018-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: NH

Complaint narrative:
They are calling me on my cell phone and I keep telling them at it's a cell phone they are calling me on. I want it 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 2018-04-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have contacted the credit bureau, all 3 on several occasions about items that are reporting on my credit report. These items it either not mine or was settled inn my divorce, in which I am not to be responsible for. I have asked that they remove these items from my report and provide me with the paperwork and they have failed to do so .. The accounts are XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX .... These accounts are hindering my life.. I do not want to take a different approach and get an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
My mortgage loan servicing apperantly was transfered to a new servicing company - my automatic payment was deducted from my checking account by a company I have never heard about before. 

Both transferor servicer and transferee servicer failed to comply with the requirements of the paragraph 1024.33 of Regulation X - I have never received a notice of transfer. 

I would like CFPB to pay attention at these two servicers and audit their compliance with the regulations : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-04-04 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: CA

Complaint narrative:
XXXX is reporting the same account twice to the credit agencies. I only have One open credit card account with XXXX. The account was open XX/XX/2015, balance {$1000.00}. 

XXXX XXXX is not reporting my XXXX XXXX XXXX credit card to all three credit bureaus. Balance is {$500.00} XXXX is not reporting my XXXX XXXX XXXX credit card to the credit bureaus. Balance is {$1500.00} XXXX  XXXX XXXX is not reporting my XXXX XXXX Credit card to all credit bureaus. Balance is {$2200.00}

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 2018-04-04 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: CA

Complaint narrative:
XXXX is reporting the same account twice to the credit agencies. I only have One open credit card account with XXXX. The account was open XX/XX/2015, balance {$1000.00}. 

XXXX XXXX is not reporting my XXXX XXXX XXXX credit card to all three credit bureaus. Balance is {$500.00} XXXX is not reporting my XXXX XXXX XXXX credit card to the credit bureaus. Balance is {$1500.00} XXXX XXXX XXXX is not reporting my XXXX XXXX Credit card to all credit bureaus. Balance is {$2200.00}

Company response to consumer: Closed with explanation