vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-02 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: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/XXXX I placed an order for a consumer report with XXXX XXXX. During which time I received the report approximately a week and a 1/2 later. Upon reviewing the report, majority of the information, had discrepancies, so I carefully went through and marked off all of the inaccurate information. I then contacted XXXX XXXX a few months later in XX/XX/XXXX and requested that day do an investigation and remove the inaccurate information. I ask how long it should take in the representative explain to me approximately 30 days, during this call I also literally went from page to page ( 25 ) expressing to the representative each thing that was incorrect, This Was time consuming. 

90 days had went pass and I had never received a response from XXXX XXXX, so I decided to call again. When I called the 2nd representative, initially said that there was no information in the system about me requesting inaccurate items to be removed. She then had to go into a different system and found my initial requests, that initial request still did not display all the items I requested to be removed meaning the initial rep missed some things. The new representative apologized and explained to me that the initial request was never submitted, she verified all the things that was in the system, and she then resubmitted it. 

This was back in XXXX around the XXXX. It has now been over an additional 30 days and the second rep assured me it will be expedited because the initial representative did not submit the request the 1st time. To date i still have not received a response and i feel if i call again it would just be the run around. 

This information is financially harming me by showing inaccurate info on the major credit bureaus, as this is the source they use to verify info on my credit file. As A result it 's not allowing me to get the best rates on credit card and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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: TX

Complaint narrative:
I had transfer a fund through XXXX XXXX in the amount of {$2500.00} to Coinbase, Inc Account from my XXXX  XXXX XXXX checking Account on XX/XX/2017. It says the fund would be available the next day, since I made the transaction after XXXX XXXX, but it has been 3 days and the fund is still not been available in my account. I tried to contact their customer support but they do not respond with the status of my transfer. All they send is an email saying the following : " Thank you for submitting your request. We have received your request and are working on responding to you as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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: OH

Complaint narrative:
I was Getting A hard time from Both Customer Service And Special Handling Department.They Both Gave me A Runaround As to finding out If they Recieved my Fax about the Collections, And Hard Inquiries.I am A Victim of Identity Theft.And I am Trying my Best to get this Handled in a Proper Manor.I am a victim of The Inquiry Issues Stated.They told me 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 non-monetary relief
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
The following attorney group has been making consistent false attempts to collect a credit card debt for the following, ( Portfolio Recovery Assoc, LLC ) which is no longer due/relevant. The amount they are attempting to collect by harassing false letters and phone calls is past The statute of limitations in Illinois. 
This firm has been contracted several times before by your Consumer Financial Protection Burea, but yet they continue to harras me by mail and phone. 
Please assist me in this matter and make this firm stop harassing me, please. 

XXXX and XXXX at XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Since XX/XX/XXXX, my Coinbase account was locked and now I no longer have access to my coins / funds on Coinbase. I have 4 Ethereum on the account and 4 more Ethereum which I was supposed to receive XX/XX/XXXX / XX/XX/XXXX.  I was ( and still am ) really worried about my Ethereum and they are worth a lot of money and I paid a lot for them and plan to keep them for investment purposes. I emailed Coinbase support the first day but got an automated reply saying I should contact them at https : //support.coinbase.comXXXX so that 's what I did. I did n't get any reply so I contacted them again 35 minutes later and gave them two different phone numbers that they can call me on so I can discuss with them but they just replied saying they are working with a specialist so they can address it properly. I waited over 3 hours and I was really panicking so I contacted them one more time only to get no reply, no call, nothing. I tried to contact one of the Coinbase support members, XXXX, through XXXX that day and still no reply. I contacted another Coinbase support member, XXXX, through XXXX the following day ( XX/XX/XXXX ) and still no reply. I tried to contact Coinbase support again on XX/XX/XXXX and still no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America sent me a letter saying they were closing 2 of my credit cards with them for " Inactivity on this account ''.
These are my oldest credit accounts. I was given absolutely NO warning of this happening and out of the blue my accounts were shut down. Since these are my oldest accounts, my credit rating will drop significantly because of this. Again, I was given no warning in any way or form of this happening. I just got a letter out of the blue saying my accounts were closed.
When contacting the customer service rep about this, I was told there is nothing they can do to activate a closed account. This is absurd. My credit score will fall by about 50-100 points because these are both my oldest accounts. I also bank with Bank of America and have done so for a while. I do n't understand how this could happen.

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 2017-09-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: OR

Complaint narrative:
GC Services constantly calls me. I made payment arrangements and they kept changing my minimum payment and they have called me dozens of times. They called me this morning at XXXX, on a Saturday on a holiday weekend. They called at XXXX on XX/XX/XXXX. I have talked with them and worked with them but their constant calls are becoming extremely inconvenient and irritating. In XXXX I first started working with them. I filled out all the paperwork that they wanted and worked out a payment arrangement of {$5.00} a month. Then they called me again the end of XXXX and said that my minimum payment should be {$30.00} a month, so I agreed and paid them another {$25.00} on XX/XX/XXXX and then another {$30.00} the beginning of XXXX. Then they called me again and said that I needed to pay {$32.00} a month. And then they called me another five times to sign and send in the agreement. I paid {$32.00} on XX/XX/XXXX. I paid {$5.00} on XX/XX/XXXX. I paid {$30.00} on XX/XX/XXXX. I paid {$25.00} on XX/XX/XXXX. I paid {$5.00} on XX/XX/XXXX. 

I have worked with them and yet they still are constantly calling me at extremely inconvenient times and it is becoming harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-02 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. Navient has been sending me multiple late notices a month regarding my account even though my grace period is not over. They started sending communication in XXXX of XXXX that my loan would be due in XXXX of XXXX. 

I have called them more than 3 times and with the wait times have had no time or availability to speak with anyone regarding my account. They have now started to ding my credit score. As I work as a XXXX XXXX  Monday through Friday I call them as I can. Yet they have no weekend hours for me to call and the wait time has been upwards of an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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: IL

Complaint narrative:
3 accounts that im not aware of that were previous removed and then added back on without a 5 day letter to let me know they were being readded ... were once again added again. 
Accounts : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX and trust twice with 2 different accounts. Also a letter was sent verfiying that the bankruptcy ct dors not verify bankruptcys with credit bureaus ... and 2 of those were deleted and one remains and these accounts were under those bankruptcys in which these should be deleted because they were not mine or these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY

Complaint narrative:
I contacted company on XX/XX/XXXX to inquire on the medical collection listed on my credit reports. I am unaware of this debt, have not been previously contacted by debt collector. Have contacted original creditor, who has stated I was not admitted or sought services on the dates listed on my reports, either date of service, or date assigned. I have an in-law with a very similar name ( last 4 letters of first name are exactly the same ), and feel this has ended up on my report. They constantly kept asking for my Social Security number of which I would not disclose, they asked for my date of birth which I would not disclose. Then they asked for the last 4 digits, of which I still would not disclose. I gave them my name ( not at all common ) and the amount stated that is reporting. They insisted they needed Social Security number and Date of birth, to me is asking for identity fraud reporting. I requested removal from my reports, or medical disclosure to how they have obtained as such.

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 2017-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
To Whom It May Concern, I am consistently getting charge a paper statement fee on my business checking account. I worked with TD Bank customer service department to assist in removing these paper statement fees, whereby I keep on experiencing " website '' issues via TD Bank online. Every time I login, I received a message stating that website is under going maintenance issues. It is impossible to sign up for online statements. 

I believe that TD Bank purposely preventing its consumer from signing up for this option. Many of its customers will NOT stay on the phone for a representative ( 30 minutes or longer ). 

Consumer Financial Protection Bureau needs to investigate TD Bank whereby I strongly believe it violates federal consumer laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-02 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: Firstsource Business Process Services, LLC
State: SC

Complaint narrative:
Called for someone never heard of, then threatened to hit my credit if i did n't help are pay them for someone else 's account!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Called for someone never heard of, then threatened to hit my credit if i did n't help are pay them for someone else 's account!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
This mortgage company is failing to apply funds submitted as " principal '' in an attempt to collect additional interest on the loan. 
Approximately 5 months ago ( XX/XX/XXXX/XX/XX/XXXX ) my mortgage with XXXX was sold to Nationstar/Mr. Cooper and I 've had nothing but issues with the company. I began making payments to NationStar/Mr. Cooper and immediately they were not applying funds as I indicated on their payment website. Instead of processing my loan payments as I indicated on their website with the monthly mortgage amount PLUS additional principal. They processed the funds without applying any additional money going to PRINCIPAL. Any additional amount I indicated as PRINCIPAL was held by the company as " UNAPPLIED FUNDS ''. On XX/XX/XXXX I spoke to a service representative and I explained that their company was changing the terms of my loan by not allowing me to make additional principal payments along with my monthly mortgage .It indicates on they website anyone could make additional principal payments just by adding the amount to my monthly mortgage. My previous mortgage holder " XXXX '' did this without issue. 
I was told if I wanted to make additional principal payments with my monthly mortgage I must call. The issue is they are intentionally making it difficult to pay off the mortgage with this practice, hoping that customers will just " give up '' attempting to payoff their mortgage early. Phone wait times, confusing and inaccurate explanations that do n't make sense is STANDARD. I do n't want any special treatment from my mortgage company. What I do want is to be able to go online to their ( Mr.Cooper ) website, make my monthly mortgage payment plus ANY additional PRINCIPAL or ESCROW payment I 'd like to add. Mr. Cooper Mortgage 's practice is stealing thousands of dollars from their customers /changing the terms of the loans and is intentionally making it difficult to payoff a mortgage early. This practice allows Mr. Cooper to receive additional interest payments over the life of the loan and should be stopped. 
Additionally, on XX/XX/XXXX I made another mortgage payment and I indicated ( on their website payment page ) I wanted an additional amount to be applied to principal.. On XX/XX/XXXX I visited their website and checked my payment summary. Again, they DID NOT apply the additional funds to principal as I indicated. I phoned Nationstar/Mr. Cooper on XX/XX/XXXX and spoke to their service rep " XXXX ''. She offered no plausible explanation however, she stated she would immediately correct the issue, and promptly send me an email confirming the corrective action taken. Today XX/XX/XXXX I again checked the summary of my account and the issue had NOT been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: LA

Complaint narrative:
In XX/XX/XXXX I had submitted paperwork to update my public service loan forgiveness. The documents were approved but I was only awarded 2 credits rather than 9 credits. This was even though my paperwork showed I had been working for 9 months at an approved job based on the public service loan forgiveness guidelines. I contacted the people at myfedloan servicing. They said they would have to review each payment to confirm if a mistake was made. They said it 'd take 90 days. After 90 days I contacted them again and they said it could take longer but the would expedite the process. That was 3 weeks ago at the beginning of XX/XX/XXXX. They still have not credited my account for work done or even contacted me regarding the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Municipal Collections of America Inc.
State: OH

Complaint narrative:
The XXXXXXXX XXXX XXXXXXXX XXXX in Ohio has been operating a Speed Camera system. In XX/XX/XXXX, the camera system identified I was allegedly speeding through the XXXX. I was fined {$95.00} and was due to pay this fine by XX/XX/XXXX. I paid the fine by check ( copy of check and original fine notice attached ) on XX/XX/XXXX. I then received a second notice saying I now owe {$180.00} for the same violation. I finally reached someone who could speak with me about the situation and I was able to show that I had in fact paid the original notice. My contact was with a contact at a company called XXXX XXXX XXXX. XXXX XXXX XXXX apparently collects payments on behalf of the XXXX XXXX XXXXXXXX XXXX. Attached is email communication from XXXX XXXX XXXX confirming I paid my debt and the issue is resolved. The date is XX/XX/XXXX.
On XX/XX/XXXX, I received a third collection notice now from a company called Municipal Collections of America , Inc . They claim I owe {$240.00} for the same alleged violation in XX/XX/XXXX to the XXXX XXXX XXXX XXXX. 

This complaint is against the XXXX XXXX XXXX XXXXXXXX and not the collection agency. I understand the collection agency has purchased the debt from the XXXX XXXX XXXX XXXX. I have sent a demand letter to the XXXX XXXX XXXX XXXX requiring a letter from XXXX XXXX confirming the debt is paid and that all erroneous information has been removed from any and all systems. 

I 'm tired of this harassment. The issue of XXXX XXXX 's speed camera system is before the Ohio Supreme Court being considered unconstitutional. The collection practices of the XXXX XXXX XXXX XXXXXXXX are a violation of the Fair Debt Collection Practices Act ( i.e. abusive and unfair ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
There was a count that was open with Capital One and the year of XXXX or XXXX at the time I was XXXX or XXXX years old I tried to dispute the account many times but count to one refused to take it off my credit maybe a XXXX ago or two XXXX ago I called Capital One and discuss with them that this was not my account and I 'm under age of the time the account was opened and I do n't know who opened the account the later who I 've spoken to was very very rude and she and she was pushy about the account she went ahead and told me that normally people who open account to other people 's names do not typically pay on these accounts which they made a payment or {$25.00} XXXX time so I want on to express to her just because someone made account when just because someone make a payment or account or {$25.00} you 're telling me my identity was not stolen she went on to tell me several purchases that were made on the account which I never made the told me that was sending letter in the mail to my house in an envelope from the credit room I never said the envelope in the mail from anyone I 'm sure this because I checked my mail daily looking for this note I think it is very unfair that someone opened a credit card in my name in at the age of XXXX XXXX XXXX I ca n't even get credit cards because someone decided to make a credit card in my name and that the credit bureau Capital One have in place we 're not protect people and help them thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bliksum, LLC
State: CA

Complaint narrative:
I received a text from my landlord on XXXX 2017 that a creditor named XXXX has contacted him stating that I owed money to them. Stating how long I have been apparently on default with them and also stated an amount due to them immediately and asked my landlord to contact me and have me call them immediately. 
I was appalled that they have contacted my landlord and informed them of a debt that I apparently owed. This is a violation of my privacy and the FDCPA act. How did they even know who my landlord was and how did they even get his number? This is very disturbing to me. 
This is not only an embarrassment to me, but a pure act of defamation of my name intentionally informing my landlord of debts that felt my landlord needed to be aware of about me. I demand this company to cease and desist all calls to ANYONE other than the person that owes the debt. I will be filing a personal lawsuit against this company and will be demanding that they prove this debt even belongs to me. They must prove it belongs to me by providing me a signature IN WRITING and i sure hope they are not reporting false information to any of the CB 's. Very livid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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: NJ

Complaint narrative:
Collection account number XXXX XXXX XXXX XXXX XXXX XXXX reporting on Experian report number XXXX No knowledge of account.

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