vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
Hi, Transaction details : This claim is regarding the Transfer No. : XXXX XXXX XXXX XXXX from XXXX. The money transaction is made to a different bank than what was provided in recipient 's details. Transaction details are as below : Submitted : XX/XX/2018 XXXX PM PST Currency : INR Available : XX/XX/2018 XXXX AM PST, XX/XX/2018 XXXX PM IST Payment Method : XXXX XXXX XXXX, NA Acct. ending in XXXX Amount Sent : XXXX XXXX Fee : XXXX USD Total Amount Charged : {$2000.00} USD Net Recipient Amount : XXXX INR Exchange Rate : XXXX USD = XXXX INR Recipient Bank Details : The account number of Recipient was incorrect. But the IFSC code and Bank name were all entered correctly. Upon checking with recipient bank they mentioned that the money is transferred to a different bank. I am not sure how the IFSC code was ignored and the money was transferred to a different bank. 
Recipient 's Bank details are as below : Bank : XXXX XXXX  XXXX Info : XXXX, XXXX IFSC code : XXXX -- correct Claim Details : I logged a claim on " XX/XX/2018 '' which was 8 days after the transaction was complete. I was initially given the case number as " CaseId - XXXX '' but this case number no longer exists. Here is the new case reference number # XXXX & XXXX. 

The agent 's response has always been that " they are waiting for the partner bank to respond ''. Its been 9 days and the fact that XXXX was not able to establish any communication with the partner bank, scares me. I fear loosing my money. Please help and Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
They Keep Calling Saying They Are A Pro Placement Service? A Debt Collector! But I Don't Owe Anybody Anything? I Asked Them Who They Are looking For But They Didn't Answer Me. They Have Called At least 20 Times, This Is A Scam! There Phone Number Is # XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: MO

Complaint narrative:
There are 3 accounts on my Experian credit reports that do not belong to me. I have disputed these accounts and they are still listed on my credit reports even though they do not belong to me. 1. XXXX XXXX XXXX # XXXX, 2. XXXX Acct # XXXX, 3.  XXXX XXXX Acct # XXXX. These accounts do NOT belong to me and I want them permanently removed from my credit reports. Accounts # 2 and 3 show same account #, different companies, different balances.

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 2018-02-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried numerous times requesting Equifax to send me documentation on how the " verified '' this alleged debt on XXXX XXXX. An Equifax employee informed me that they have no right to send that me that information in how they " verified '' the alleged debt. Also, was told that they can only send me a letter that states, " unchanged, deleted or verified ''. But according to FCRA, Section 611 ( a ) ( 5 ) ( A ) ( i ) and 15U.S.C. 1681g, I have the right to demand for those documents that are  used to " verify '' an alleged debt. But with Equifax refusing to do so. Equifax has violated my rights as not providing documents in how this alleged debt has been verified. I called Equifax on XX/XX/2018 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: InterLinc Mortgage Services, LLC
State: KS

Complaint narrative:
I was referred to XXXX XXXX  in XXXX, KS ( XXXX XXXX ) by a friend who was a current employee. When I first began the loan process, I was told that I should qualify for a Conventional Loan. After going through several weeks of continual submitting documents I was then told that they will need to transfer my loan to FHA. I submitted several other documents and were told that we should be good to go however just a few days before closing date I was informed that the Underwriter would not clear me for the loan. At that time, XXXX XXXX had another suggestions that was to send my loan to a private investor, XXXX XXXX 's father. I did not know what was going on but I meet with the private investor and learned that there would be an outrageous cost to fund my loan. I then spoke with my realtor and she suggested that I might want to reconsider because she had learned of some disturbing news about the situation. I was later informed that there was some illegal action going on by XXXX XXXX   ( skating ). I nicely declined the services of the private investor. I then contacted another lender and was approved and closed on a Conventional Loan that the lender told me that I should have been approved for several months earlier. I was very vulnerable at the time that I was trying to go through XXXX XXXX   because my wife had recently passed away in our home and I could no longer live there. I feel XXXX XXXX took advantage of my situation in an attempt for a larger financial gain with her father. Please investigate this matter because my friend who was employed with XXXX XXXX  informed me that my application was not the only one that dealt with this corrupt situation. Thank you. 

XXXX 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 2018-02-20 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: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting {$570.00} medical debt, without providing the proper proof which validates the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NC

Complaint narrative:
During the month of XXXX I receive a letter from a mortgage company that i was not familiar with and they stated that i did not have hazard house insurance. So i call them and they informed me that my 2nd mortgage had been sold to another company by the name of SN Servicing Corporation, so they gave me their number and i made contact with that company, after talking with that new mortgage company they inform me my loan had been sold. I inform them that i did not receive a phone call or any type certify notice that my loan would be or has been sold, they stated that they don't have to send out notice and stated they did mail out a notice. After several phone calls to this company to inform them i was unaware of the sale and that my account is three months behind due to the sale of my mortgage and ask them if they could modify, refinance or move what was behind to the rear of the loan they refuse help or to give any assistance on that matter rather they insist if you can't pay then i suggest we will have to start foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
I filed a CFPB compliant case number # XXXX against XXXX XXXX XXXX XXXX and they responded partially to my complaint on XX/XX/18, which they did inform me that they are preparing to send me the validation of the alleged debt, however I requested that lawsuit against me to cease and I also request for no one to come out to home to discussed this matter, however they did not respond to neither request or give any details. They only stated that One Main Financial is suing me for the alleged debt. And again I am requesting the lawsuit be dropped by both XXXX XXXX and One Main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: NY

Complaint narrative:
I received a letter stating that I was denied a credit card because they were unable to verify my identity however, I never applied for such a card. I tried to call the number on the letter I received but are unable to get through to anyone other than an automated system. I am worried that someone is trying to get credit in my name. The CC company is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX letter dated XX/XX/2018

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 2018-02-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive sent three letters requesting the removing of XXXX XXXX XXXX inquiry. 

Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. 

Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX they would know this account was reported as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi closed my XXXX Visa credit card # XXXX on XX/XX/XXXX with no reason given. I have been in good standing with Citi and I have great credit score. I use this card as my primary credit card, and I have accrued {$1600.00} of reward balance due to pay out on XX/XX/XXXX, which is only 3 days away. I called Citi customer care two times, executive office phone line one time, and fax them a letter. The best answer I have got is basically that they can close for any reason at any time, without giving me any reason why I was targeted, even if it is only days away from paying out my reward. My reward, according to the rep, is now gone since the account is closed. They essentially got themselves out of paying without any explanation. I am not only out of the reward dollars, I am also 1 ) out of credit card to use, 2 ) expecting a hit to my credit score due to the ratio and closure because I dont keep many other around and 3 ) will have hard time get another one even with good credit score. I stay responsible and pay my debt always, and Citi just decided to cause personal damage without any legit reason. CFPB, please help me get to the bottom of this.

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 2018-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I want to get the period of late payments removed from my credit report because I paid off the loan early

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
During the hurricane Irma. Capitalone put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru capital one they denial my claim for hurricane issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I received a notice of collection placement letter from EOS CCA, statement date XX/XX/XXXX for the amount of {$120.00}, original creditor XXXX, current creditor XXXX XXXX XXXXt XXXX. I called EOS CCA on XX/XX/XXXX to find out more because I don't recall having an account with XXXX. The EOS CCA staff told me to contact XXXX, and possibly file fraud via XXXX 's website. I called XXXX on XX/XX/XXXX, their staff can not find any accounts under my name. I went on identitytheft.gov and chatted with their staff for advice, and was told to first find out if the charge appears on my credit report, if not I should file a complaint with CFPB. I ran a credit report with XXXX on XX/XX/XXXX, did not find the charge, called CFPB hotline for advice, and decided to file a complaint online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Solutions, LLC
State: WA

Complaint narrative:
Asset Recovery Solutions has been told to stop contacting me at my work place and has made additional attempts to contact me at work after they were informed orally by myself that my employer does not allow these type of calls at my work place and to stop calling my work immediately and at any time in the future. 

I was initially contacted at my place of work where they left a message for me with colleagues on XX/XX/XXXX. I returned the call and informed them to stop contacting me at my place of work immediately. I informed them to stop contacting me on XX/XX/XXXX @ XXXX XXXX. Additionally, I informed the that I believe the debt that they were collecting on was outside of the statue of limitations. 

Asset Recovery Solutions called me again at my place of work on XX/XX/XXXX and once again left a message with my colleague, which is in legal violation since they have been notified that my employer does not want these type of calls. The individual that called was named XXXX XXXX ( XXXX extension XXXX ). 

This company is in legal violation of calling me at my place of work after I have already informed them that they are not allowed to contact me at work because my employer does not want these type of calls at my office ( informed on XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: CA

Complaint narrative:
XXXX, in relation to Telecheck, sent me a letter ( to my home address ), related to a purchase from an XXXX seller for XXXX. Apparently the EFT or check ( bearing check number XXXX ), was written on a closed account at XXXX XXXX  XXXX XXXX. All they would tell me was that it was an account ending in XXXX. They refused to provide any further information. A call to that bank indicated no accounts existed in my name in the past 12 months -- they had no information on this account. XXXX   asked for my License number and SSN, as well as other identifying information -- eventually they told me they required this information to investigate, though they refused to provide information to me about the account. For all I know they are a phishing scam hiding behind a collection business. I do not use use accounts like this to order online, I did not order form XXXX XX/XX/18 as alleged, and I can not investigate further. I have filed with the FTC regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My husband and I each applied separately at different time about a year or two appart to Citi Card  because they had what looked to be a great cash back program. My husband and I both have excellent credit. They have now declined both of us but the reasons they gave were false. They told my husband that he could not have credit because he applied online and on paper, which he didn't do, but they would not reconsider. They told me it was because XXXX put a hold on credit. I called XXXX who told me my credit was NOT on any kind of a hold or alert and that I had no late payments, defaults or anything. One of the listed bonuses Citi offers is for paying off credit card every month. My husband and I pay our credit card off every month. I believe Citi is looking for people who carry a balance ONLY and reject the rest. The problem is that by applying for a credit cart that the company was never going to approve, then affects my credit because they pull a hard report from the reporting company. This is a SCAM!!!

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 2018-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I have received a total amount of {$1100.00} in Bitcoin ( XXXX BTC ). I sold the Bitcoin which came to an amount of {$1100.00} which was supposed to be wire transferred to my account with XXXX XXXX XXXX  and the funds should have been available on XX/XX/XXXX. The funds were never deposited to my account. 

I have contacted COINBASE a total of 47 times over the phone and email from XX/XX/XXXX up to today XX/XX/XXXX to no avail. They have created the case # XXXX which has been " escalated '' over 3 times, supervisors have added notes to it, so have representatives. No additional answer from COINBASE and it has been over 2 months now.

Additionally I have requested a letter from COINBASE explaining their wire transfer issue so I can show to my bank in attempts to have over 16 overdraft fees in the amount of {$34.00} each reversed. No answer from COINBASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: CA

Complaint narrative:
Ive sent three letters requesting the removing of XXXX XXXX XXXX inquiry. 

Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. 

Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX they would know this account was reported as fraud.

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 2018-02-20 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: CA

Complaint narrative:
Ive sent three letters requesting the removing of XXXX XXXX XXXX  inquiry. 

Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. 

Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX  they would know this account was reported as fraud. 

Also inquires XXXX XXXX and XXXX XXXX XXXX  was placed by a collection agency. When I contacted the collection agency on my account they stated no knowledge of this. 

Please remove them as I have no knowledge.

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 2018-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
During the hurricane Irma. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX  XXXX they denial my claim for hurricane issues.

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 2018-02-20 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:
During the hurricane XXXX. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX  XXXX they denial my claim for hurricane issues.

Company response to consumer: Closed with explanation