vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-09 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: KEYCORP
State: IN

Complaint narrative:
In XXXX XXXX, my wallet was stolen while I was visiting my grandmother in XXXX, TN. I noticed fraudulent charges on my Key Bank XXXX even though the card was PIN protected. I immediately reported this to Key Bank. They assured me that they would get this resolved and I was advised by the service representative to not make any payments - until I received confirmation via mail that the charges had been cleared. I never received any sort of confirmation and it is now XXXX. In lieu of the confirmation, I did receive two late charges of increasing value ( I was able to get the first one waived ). In addition to these fantastic gifts from Key Bank, I also began to receive phone calls from their debt collection department saying that my account was delinquent. Last week, I explained in detail to the collections representative ( XXXX ) the aforementioned series of events, and I informed her that I have no issue paying my debt - so long as Key Bank did not report my account as delinquent to the credit bureaus. She agreed to note that in my account details, and said that - as long as I paid the payments for XXXX and XXXX XXXX ( totaling {$160.00} ) - my account would be in good standing and not to worry. Well I paid {$200.00} XXXX Im no mathematician, but Im pretty sure thats {$39.00} more than my overdue balance ). Okay great, so thats the end of that right? WRONG. I log into my credit reports this morning, XXXX XXXX XXXX, and notice that my credit scores had dropped by XXXX and XXXX points since XXXX XXXX XXXX. After some investigation as to why this has happened, I discovered that Key Bank has listed my XXXX as XXXX days overdue. I call Key Bank again with two directives - waive this usurious late charge and correct the status of my account. After many transfers and long holds, the service representative ( XXXX ) advised me that theres no account notes, nothing she nor her supervisor can do, and to contact the dispute department when they open on Monday. Im nonplussed honestly. I went from having good credit to poor - right before I plan to move across country, and get an apartment. How am I supposed to do that now with poor credit? In addition to all of this, I cant even see my account balance. When I go to check it online, it just shows XXXX XXXX XXXX [ **** ] XXXX paydown to {$0.00}.!! DO NOT DO BUSINESS WITH KEY BANK!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to a retail store to do some XXXX shopping. I had a series of fraud alerts triggered by trying to make purchases with my Chase credit card. I called chase to verify the attempted charges I was told the fraud alert had been removed and that I was free to attempt the charge again. This happened 3 separate times in the same night ... the fraud alert was removed and each time I would go back in the store to make my purchase yet the charge was declined again, I 'd call Chase again, jump through a bunch of hoops answering a bunch of questions correctly, and then reassured everything was fine and to go try the purchase again. Finally after the third time going back in the store for a decline, I called and was told that the latest fraud alert could not be removed and that my accounts were under review by Chase. 

On XX/XX/XXXX I received notification that all 5 of my Chase credit cards had been cancelled. Some of these cards I have had for over 15 years. I 've never missed a payment and have paid my balances in full every month on each and every card I 've ever had with Chase. 

I do not believe Chase is operating within the spirit of the credit card agreement by issuing overly sensitive fraud alerts, and then even after the purchaser 's identity is satisfactorily established by Chase, and with reassurance given to that card holder that he is free to make the transaction, to continue declining purchases over and over again to the embarrassment of the card holder. Then to add insult to injury punishing the consumer by closing 5 credit card accounts which have never had a problem is very dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX, I have purchased an XXXX from XXXX XXXX paid in full. They kept sending me bills saying I have't not paid even though my credit card statement said otherwise. With months of back and forth with the company, they finally told me they have resolved the issue. However early XX/XX/XXXX, they sold my supposed debt to a collections agency and ever since then I have been harassed by them at least twice a year. I have send certified emails to these debt collection agencies saying I do not owed anything and yet they kept selling my supposed debt to other collection agencies. 

Recently XX/XX/XXXX, I got a mail from XXXX XXXX XXXX debt collection once again saying I owed this supposed dent. I once again send them a certified mail saying no I do not owe. XX/XX/XXXX, they send me a mail saying they reached out to XXXX, their client and their records indicated that I still owe and need to provide them with proof. Which I have credit card statements and payment confirmation from XXXX that I have already paid back in XX/XX/XXXX. This is emailed to them and will also send a paper copy via certified mail. 

The supposed debt i owe is XXXX. Please help me to stop convergent from harassing me repeatedly when I do not owe money to them or 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 2017-12-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been working with Equifax who over a year ago removed XXXX accounts reporting from XXXX after they exceeded the 7 year from last reported delinquet. XXXX has now again reported reaged debt by simply not showing late payments before XXXX. I have contacted Equifax and so far they keep saying XXXX is stating they are reporting correctly. This is not legal when these accounts are over XXXX XXXX XXXX. The partial account info is XXXX and XXXX. This practice must stop as it just happened to my wife with yet another XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Made a XXXX card payment on of {$3000.00} on the credit card that has a limit of {$5000.00} on XXXX XXXX. leaving {$1300.00} of debt still on it. The payment cleared the bank on XXXX XXXX and the XXXX card company did take it off my card balance but will not let me make any other purchases for 10 days until they say the payment has cleared or they can up my credit limit which I do not want to do. I talked to XXXX on XXXX XXXX in card management. And yet it cleared the bank on the XXXX electronically. Is this a ruse to up my credit line and use my money but yet not allowing me to use it?

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 2017-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo harasses me via at work and at home multiple times a day, they have been told to stop calling, I make my mortgage payment every month, some times a few days late, but the relentless harassment is too much.

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 2017-12-09 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: IN

Complaint narrative:
In XXXX XXXX, my wallet was stolen while I was visiting my grandmother in XXXX, TN. I noticed fraudulent charges on my XXXX XXXX XXXX even though the card was PIN protected. I immediately reported this to XXXX XXXX. They assured me that they would get this resolved and I was advised by the service representative to not make any payments - until I received confirmation via mail that the charges had been cleared. I never received any sort of confirmation and it is now XXXX. In lieu of the confirmation, I did receive two late charges of increasing value ( I was able to get the first one waived ). In addition to these fantastic gifts from XXXX XXXX, I also began to receive phone calls from their debt collection department saying that my account was delinquent. Last week, I explained in detail to the collections representative ( XXXX ) the aforementioned series of events, and I informed her that I have no issue paying my debt - so long as XXXX XXXX did not report my account as delinquent to the credit bureaus. She agreed to note that in my account details, and said that - as long as I paid the payments for XXXX and XXXX XXXX ( totaling {$160.00} ) - my account would be in good standing and not to worry. Well I paid {$200.00} ( Im no mathematician, but Im pretty sure thats {$39.00} more than my overdue balance ). Okay great, so thats the end of that right? WRONG. I log into my credit reports this morning, XXXX XXXX XXXX, and notice that my credit scores had dropped by XXXX and XXXX points since XXXX XXXX XXXX. After some investigation as to why this has happened, I discovered that XXXX XXXX has listed my XXXX as XXXX days overdue. I call XXXX XXXX   again with two directives - waive this usurious late charge and correct the status of my account. After many transfers and long holds, the service representative ( XXXX ) advised me that theres no account notes, nothing she nor her supervisor can do, and to contact the dispute department when they open on Monday. Im nonplussed honestly. I went from having good credit to poor - right before I plan to move across country, and get an apartment. How am I supposed to do that now with poor credit? In addition to all of this, I cant even see my account balance. When I go to check it online, it just shows XXXX XXXX XXXX [ **** ] . paydown to {$0.00}.!! DO NOT DO BUSINESS WITH 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 explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: LA

Complaint narrative:
On XXXX XXXX, XXXX XXXX XXXX XXXX Added a collection account to my credit report for an amount of {$14000.00}. I am not responsible for this collection and I do not owe that amount. I was never contacted about this collection ever. Also XXXX XXXX XXXX is not licensed to collect any debts in the state of Louisiana in which this is a FDCPA violation, and the next steps I will take if this account is n't deleted immediately is to file a complaint with my state 's Attorney General and next a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: MD

Complaint narrative:
the company PENN CREDIT has called my home on several occasions and it is a recorded message referring to a XXXX XXXX - I sent a fax to XXXX and told this company that she does not, never has and do n't know where she is - to CEASE AND Desist the calling. 

Received on this date XXXX/XXXX/XXXX at XXXX a.m another call from this company - after I sent the Fax to CEASE AND DESIST calling. I just now sent this company another fax to tell them to CEASE and DESIST calling my home. 

The XXXX fax number is to the main headquarters. the address is Penn Credit Corporation XXXX : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Transfer of IRA from Regions investment account to XXXX XXXX investment account. I started this process on XXXX/XXXX/17 and there has been one delay after another with dates promised at the end of XXXX, then XXXX and now looking at the end of XXXX. 
There is nothing special about this IRA, no loans or outstanding issues. They have just been holding this money and I am being charged a management fee for their ineptness.

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 monetary relief
Consumer complaint received 2017-12-09 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: Total Card, Inc.
State: FL

Complaint narrative:
As I was doing a annual credit check going over my credit history to make sure that all information was accurate on my credit file I came up on a couple accounts that I did not recognize I proceeded to contact these companies however, they sent me fraud packets on several occasions that I needed to fill out and notarized I did so and paid my {$10.00} dollars only for them to keep asking me to send more info and notarized more papers yet not doing anything about the account but make me spend money .... My request is that they send me the proper verifiable documentation for these accounts so that I may review it, they have refused and the credit bureaus are verify the information as correct even tho this creditors cant provide me any documentation that I requested .... please contact them and either have them remove these account or forward me proper documentation that proves the account belongs to me not invoices but actual consumer original contract that I signed ... 

1.XXXX XXXX XXXX/ total card .... credit card Acct # :XXXX DATE OPENED XX/XX/2016 Credit limit : {$300.00} Address : XXXX XXXX XXXX XXXX, SD XXXX  XXXX Note : they have been the root of most of my issues 2. XXXX XXXX XXXX ... credit card Acct # :XXXX Credit limit {$500.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX XXXX Note : disputed and ask they provide me proof they verified to the bureaus and sent me nothing :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: Innovis
State: PA

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file about an HARD INQUIRIE I never made or no any thing about it the company is XXXX XXXXreditor Contact Details XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: CA

Complaint narrative:
In XXXX XXXX sold my home paid off mortgage and arrearages. We were in Bankruptcy Chapter XXXX and court granted us permission so sell home. In XXXX i notified credit bureau of the inaccuracy and they removed it because XXXX either agreed or did not respond. Today XXXX/XXXX/XXXX i received a email stating XXXX reported that we are 120 days delinquent and account closed. This supposedly was report on XXXX XXXX, XXXX the date our account was paid in full. Because of this we are being denied credit and this has truly ruined myself and my wife the opportunity to move forward. i am submitting proof for your review. Chapter XXXX was discharged on XXXX XXXX, XXXX by the court.

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 2017-12-09 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: GA

Complaint narrative:
Trans Union, XXXX and XXXX have allowed fraudulent attacks to my credit reports. I have lost more than {$100000.00}

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 2017-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX. calling for my son who has not lived at our house for 20 years. I have continued to tell agencies to take my # off list and I still get calls. they stated that if my son did not call back they would put a lien on property owned my another son and his wife. my # is a do not call # on the registry and has been for many years and these agencies keep passing a collection around and calling. We settled all claims over 20years ago but a hospital had not filed claim with insurance company properly for an accident in which a drunk driver crashed into our son. 
I have been hounded long enough and when someone threatens I can not stand silent. 
FGM

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I placed a call to Capital One customer service on XXXX/XXXX/XXXX to request a waiver of the annual " cardmember fee '', which had been charged to my account on XXXX/XXXX/XXXX. The representative explained to me that I could avoid the fee by converting my account from the " Quicksilver '' card to the " Quicksilver One '' card. I agreed to convert my account and the representative told me that I should be able to view my updated account information online within five business days.

I received and activated the new card about two days later ( Around XXXX/XXXX/XXXX ). My online account did not indicate that I had been given a credit for the cardmember fee when I checked on XXXX/XXXX/XXXX. 

I placed another call to Capital One customer service on XXXX/XXXX/XXXX to ask why I had not been credited for the cardmember fee. XXXX, the customer rep, explained that I was expected to pay the fee according to Capital One policy. At this point, I questioned the logic of having to pay a {$39.00} annual fee for a card that I had for a mere four days ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ) and was transferred to XXXX ( XXXX 's supervisor ). 

XXXX proceeded to tell me that there was nothing he, or anyone else at Capital one for that matter, could do to waive this invalid fee from my account. The only option he presented was for me to close my account, which he claimed would prevent me from incurring the fee. I asked to speak to his supervisor and was rebuffed. 

I can understand paying a prorated cardmember fee for the four days I had the card this year. I ca n't wrap my head around paying the entire fee. It seems very unfair and Capital One is completely unwilling to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: GA

Complaint narrative:
XXXX XXXX, Equifax and XXXX have allowed fraudulent attacks to my credit reports. I have lost more than {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: GA

Complaint narrative:
XXXX XXXX, XXXX and Experian have allowed fraudulent attacks to my credit reports. I have lost more than {$100000.00}

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 2017-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XXXX XXXX XXXX XXXX I bought XXXX USD worth of XXXX on CoinBase using my XXXX bank account, without being asked for personal identification. 

On XXXX XXXX the value of the XXXX has gone up and since XXXX futures would start trading on XXXX XXXX I decided to reduce my exposure and attempted to sell the XXXX USD worth of XXXX I was only able to sell XXXX USD worth of XXXX  into us dollar at the exchange rate of $ XXXX/XXXX  HOWEVER, Coinbase asked for my personal identification in order for me to sell the rest of the XXXX. Since I am a XXXX student in the US using a XXXX XXXX I am unable to provide my SSN, so I had to take pictures of my passport and send it to Coinbase.

Coinbase uses a third party to verify my XXXX ID and the third party is not working. I have waited for two hours and still have not got a comfirmation, and the value of the rest of my XXXX is going down rapidly ( down 7 % since I have initially attempted to sell ) as of the time I am writing this. 

Why did Coinbase not notify me of this when I made the buy order? Now my assets are being exposed to risk that I do not wish to because I can not liquidate them into US Dollar due to Coinbase 's identification system not working for XXXX XXXX holders.

Company response to consumer: Closed with explanation