vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I did a balance transfer from the credit card in question on XX/XX/XXXX and as of today XX/XX/XXXX the balance is still showing on my on-line profile and the credit card that I transferred the balance to is also showing a balance. As a result I owe double on my credit file and it has affected my score. Also, I ca n't call customer service to request to close the account. It must be done by mail. Therefore ; I did so on the same day of the balance transfer, but the card is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I did a balance transfer from this credit card company ( Capital One ) on XXXX and the balance is still showing as of today XXXX. The card that I transferred the balance to is also showing the balance. Therefore, I now owe double on my credit file and it has affected my score. I contacted customer service and spoke with a " XXXX '' and he seemed confused by my questions of why I am still showing a balance. He thought I was asking to apply for an additional credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I did a balance transfer from this credit card company ( Capital One ) on XX/XX/XXXX and the balance is still showing as of today XX/XX/XXXX. The card that I transferred the balance to is also showing the balance. Therefore, I now owe double on my credit file and it has affected my score. I contacted customer service and spoke with a " XXXX '' and he seemed confused by my questions of why I am still showing a balance. He thought I was asking to apply for an additional credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC
State: CT

Complaint narrative:
Mortgage company will not explain how a " invalid " late fee of {$54.00} can equal {$790.00} considering this is a monthly fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
The company enrolled me in Credit Protection I was not aware of that.

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 2017-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I did a balance transfer from this credit card company ( Capital One ) on XX/XX/XXXX and the balance is still showing as of todayXX/XX/XXXX. The card that I transferred the balance to is also showing the balance. Therefore, I now owe double on my credit file and it has affected my score. I contacted customer service and spoke with a " XXXX '' and he seemed confused by my questions of why I am still showing a balance. He thought I was asking to apply for an additional credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
OnXX/XX/XXXX Delivery Certified Mail Tracking # XXXX was signed by a Kohl 's representative and as of today XX/XX/XXXX ( 31 days ) they have failed to mark my credit report as being disputed which is a validation of federal and state laws AND they also failed to send me any information regarding this matter. See attached for proof of certified letter as well as my credit report pulled on day 31.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Greentree & Associates
State: CT

Complaint narrative:
Mortgage company will not explain how a " invalid " late fee of {$54.00} can equal {$790.00} considering this is a monthly fee.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I ). I have previously asked all three ( 3 ) credit bureaus : Experian, XXXX and XXXX to disclose how they have verified the bankruptcy information that is being reported on my credit report. I have asked that the following information be provided with the proof of verification : Method of Verification If the listing gets verified and remains you have the right to request the credit reporting agencies method of verification. Request the credit reporting agencies send you the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. II ) To date I have yet to receive the requested information. I have been told that pursuant to the Bureau 's investigation, that the reported information is correct. III ) FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states in pertinent part, " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available IV ) Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. V ) Pursuant to FCRA, Section 611, the Bankruptcy Court is the furnisher of information, and not a third party source such as PACER or LEXIS NEXIS. VI ) None of the Bureau 's have provided evidence that they have conducted a direct investigation with the Bankruptcy Court.
VII ) Furthermore, in XXXX XXXX, I III ) In XXXX XXXX, I confirmed with Bankruptcy Court listed below that it does not directly report to the credit bureaus. This would explain the inability of any of the Consumer Reporting Bureaus in providing the requested information. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX VIII ) For the reasons provided above, the credit reporting agencies are in violation of FCRA, Section 611. In conclusion, the reported Bankruptcy information should be deleted.

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 2017-08-19 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
I was contacted by XXXX mail onXX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX onXX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XX/XX/XXXX, then my father ( XXXX XXXX ) passed away in XX/XX/XXXX, and my mother ( XXXX XXXX ) passed away in XX/XX/XXXX( three months 2017 apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their funeral and I still have to get a head stone for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. One Main Financial is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) death certificate and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is One Main XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers death certificate ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this One Main loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX XXXX. Also can you please have them stop reporting also until this investigation is resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
HI, I 'M FROM XXXX XXXX, I OPENED AN ACCOUNT IN COINBASE, WHEN I WAS TRYING TO VERIFY MY ACCOUNT THEY BLOCKED MY ACCOUNT AND I HAVE ABOUT 60 $ IN THERE, I TRIED TO GET AN ANSWER FROM THEN BUT I DID NOT RECIEVED ANY ANSWER, I HAVE SEVERAL DAYS WITH THESE PROBLEM AND I NEED AN ANSWER, IM DESESPERATE, PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Hello, I applied for and received a XXXX XXXX XXXX XXXX XXXX credit card. Although I fulfilled the spending requirements the Barclays did not provided the promised rewards. I complained both over the phone and then in writing, on X/XX/2017, please see attached scanned documents. This attachment includes : 1 ) my written complaint to Barclay, which details the rewards received, versus the rewards promised, 2 ) a copy of the XXXX XXXX XXXX XXXX offer, which supports my request, and 3 ) the answer received from Barclays, which just states We are currently unable to complete your request. This is unacceptable, Barclays should complain with its own offer!
Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CO 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 2017-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Multiple times I 've had my own identity stolen by my own sister and it 's easy for her to do bc she looks similar to me, she 's 5 years older, she lives close, knows everything about me, she went to school for an account, knew in her earlier high school years how to get illegal ssi numbers. Do n't know what she would want with that. So she 's opened credit cards with my social, drained empty multiple bank and checking accounts from 3 different branches, stole my inheritance from both my XXXX parents and signed the checks, claimed me as her adult adopted XXXX child on her taxes, I have to go to court in to weeks for a credit card she opened under my name, she does my taxes every year so I have to sit at the IRS, she 's stolen around 300 grand just from bank accounts alone. I 'm sick of this. She stole my moms XXXX XXXX XXXX, my XXXX XXXX with XXXX, tried to get me to buy her XXXXXXXX XXXX. She tells me how to make XXXX. Called me one day telling me there r bugs crawling down her walls and her body. She 's the governments biggest issue, I 've complained so many times but no one seems to care. It seems like they would rather be out doing stops for XXXX and speeding 5  miles over the speed limit than the serious issues we have to address. This has been going on big time since XX/XX/XXXX, the looking up socials was I believe 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 2017-08-19 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: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
On XX/XX/2017 I sent in a notice to dispute via certified return receipt # XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX for Receivable Recovery signed for the letter. On day 31 I pulled my credit profile and they failed to mark my account disputed as well as send me any information regarding this alleged account that I owe. This is a FEDERAL and STATE LAW VIOLATION. This is also not the first set of letters I have sent to this company, as they continue to ignore me and my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: NM

Complaint narrative:
Experian and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do 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 2017-08-19 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: NM

Complaint narrative:
XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do 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 2017-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was contacted by XXXX mail on XX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX onXX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XXXX, then my father ( XXXX XXXX ) XXXX XXXX in XXXX, and my mother ( XXXX XXXX ) XXXX XXXX in XXXX ( three months XXXX apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their XXXX and I still have to get a XXXX XXXX for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. XXXX XXXX XXXX is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) XXXX XXXX and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers XXXX XXXX ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this XXXX XXXX loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX Bless. Also can you please have them stop reporting also until this investigation is resolved?

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 2017-08-19 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: TN

Complaint narrative:
I was contacted by XXXX mail on XX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX on XX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XXXX, then my father ( XXXX XXXX ) XXXX XXXX in XXXX, and my mother ( XXXX XXXX ) XXXX XXXX in XXXX ( three months 2017 apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their funeral and I still have to get a head stone for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. XXXX XXXX XXXX is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) XXXX certificate and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers XXXX certificate ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this XXXX XXXX loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX XXXX. Also can you please have them stop reporting also until this investigation is resolved?

Company response to consumer: Closed with non-monetary relief