vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I called First National Bank of Omaha in XX/XX/XXXX and made an offer to start making regular payments and when I told the lady how much I wanted to pay she was extremely rude. They did not agree. They have charged multiple fees and then charged interest unfairly including interest on the fees. These fees have made my balance increase {$600.00}. <P/> They have been calling my place of employment. They called today XX/XX/XXXX  and once before. They are harassing me at my job! I told them to stop calling my job and they just continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
there is an inaccurate collection on my records, for which Experian is the only one who is reporting this inaccuracy, after long disputes they have not removed this collection from my records. i have tries to contact the collection agency but they do not response when i leave messages, and their address is inaccurate and all the letters com back to my address.   please help me to remove this inaccuracy from my records.   thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian did not provide any method to dispute their findings which were incomplete and inaccurate via any medium they advertise is available Phone, internet etc. Under the law I am entitled to  150  page rebuttal/explanation of any negatives- this was NOT afforded. Report  XXXX . Also they have NOT addressed the security freeze I substantiated earlier was instituted by me and my wife and YOU continue to close the report as if this has been addressed. The issue at hand   XXXX   XXXX   XXXX    was  forced to put incomplete and misrepresentation due to the limitations of response given by Experian in effect setting us up for lower credit FICA score as indicated on my prior complaint today. Opinion I find it repulsive that your agency has not deemed this important enough to pursue further by fruits establishing who you really are and who your really represent! THE SAD JOKE OF THE INDUSTRY IS FICA SCORING WHICH CAN BE PROVIDED IN ANY NMBER OF WAYS BY ANY NUMBER OF LENDERS-

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 2017-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I was on a trip to  XXXX  and I attempted to log into my Coinbase account to check the prices of the crytocurrency I own. Upon my return to the  US,   I received the following e mail : " Dear ( Name ), We have r eason to believe you reside in a country in which Coinbase is prohibited by law from doing business ( Country ) per the sanctions imposed by th e U.S.  Treasury Department 's Office of Foreign Assets Control. As a result, we 've unfortunately had to clos e your Coinbase acco unt. If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us a t support@coinbase.com immediately and provide us with a copy of a photo ID and proof of y our current address. If your account has a balance you will need to contact th e U.S. Treas ury Department to request permission to access your funds. '' I immediately created a support ticket to have my issue resolved and provided the requested documentation. I have received only automated responses and have sent several follow up emails along with attempts to reach them via their social media platforms. The issue should take very little time to resolve and it have been  over 10 busi ness days that my account has been locked and I have no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: AL

Complaint narrative:
XXXX2017- car accident you reported XXXX XXXX as at fault he was not at fault - please correct ASAP I have the DMV report as well as a corrected insurance report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I ha ve been a Macy 's  card holder for a few years now. I had a payment due  XXXX   XXXX  but since they NEVER updated my address ( I move every year or so due to rent increases in   XXXX   and it takes them repeated attempts to change my address ), they sent my bill to the wrong address and then I got it late -- paid it  XXXX   XXXX . Starting  XXXX   XXXX , I have been receiving phone calls from phone numbers in  XXXX   (   XXXX ,  XXXX  ) NONSTOP. I figured it was a salesperson because ever since I went to the  XXXX   XXXX  concert with my mom and gave them my phone number in a raffle, I 've been harassed at all hours of the day -- but that 's another story. When I finally answered and found out it  was Macys, I  almost fell off my chair. I mean, really?! A few dates late and already they are calling me -- I have received  14 phone calls in 52 ho ur period, all I have screen shots for :  XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX    XXXX   XXXX  :    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    Does that sound reasonable?? I mean this is so ridiculous. And the payment I made in  XXXX  was on time, with no late fees or any extra fees. So basically they are harassing a loyal and good custom er 14 times in le ss than 3 days because of being 6 days late on a payment -- due to an address change!   And there was  NOT ONE  voice message left in all those phone calls so that I knew who was harassing me and could have dealt with it.   This is true harassment and something needs to be done about this. And I 'm not the only one, I 'm sure.    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 2017-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I booked a hotel in    XXXX   XXXX    via email. The date of my reservation was     XXXX   XXXX    2016. I p aid in advance since we were traveling during the peak season of {$2400.00} on   XX/XX/16 .   <P/> The hotel made a mistake and had our reservation a s   XXXX   XXXX   2016.  I am not sure how this happened when every correspondence had our dates o f   XXXX   XXXX   2016 in th e  Subject li ne of the emails.  <P/> As soon as we returned home from our vacation I disputed the  charge. I do not know the exact date but was early       XXXX   2016. When I attempted to dispute the charge with Citibank the hotel that informe d  Citibank  that they had a " no refund policy '' which was not the issue of the dispute. The hotel did not tell them they had our dates incorrect. I did not cancel our reservation ; therefore, I do not believe the " no refund policy '' applies for dates we did not book. We had to find different accommodations for the dates in which we were in  XXXX ,  XXXX . Citibank closed the dispute based on the hotel 's " no refund policy '' even though I explained to multiple people that the issue was an incorrect booking of dates by the hotel. I have spent countless hours on the phone with  Citibank  and have supplied them with all of my emails ( once via fax and once via email ) showing proof of my reservation dates.  <P/> I did ask the hotel for a refund but they said they would provide only a partial refund but then wanted all of my banking information. I found this to be very suspicious and thought the smarter action would be to dispute the fraudulent charge.  <P/> I ha ve spoken to management in the Citibank dispute center and even though the hotel charged me for dates that I  did not book, they tell me there is nothing that can be done.  <P/> Thank you so much for any help that you can provide.    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 2017-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
As I was checking my credit score, I noticed I had XXXX derogatory mark and as I took a look at the information, it said that XXXX had put an account in collection for {$500.00} with Amsher Coll. This had been going since XXXX  2016 as it shows in my report. I have never opened a XXXX account in my life. I called the XXXX company since I found out about this collection in XXXX by looking at my report, I called them like 3 times in XXXX or XXXX and gave them my social security number so they could find an account with my information and they could not find any information related to me so I called the collection company and they said the same thing my social did not match any collection account, so how is it that I have an account in collection and they want me to pay the money if they can not even find my information? I also never got a paper with account information from XXXX or the Amsher Collection Services to my residence, I only know about them because I check my credit score once in a while. Also, they could not able to provide me with information as to who to contact to get rib of this degoratory mark from my credit score as the amount owed does not belong to me! I sent a request to the XXXX on Monday to see if they can resolve this peoblem as all my credit card amounts are being affected by this problem as they are being lowered and so my credit score its  decreasing as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
I got notification via   XXXX   XXXX   that a new debt was placed in collections ; I had no knowledge of this company listed on the debt ; I called  XXXX  who advised me a loan was taken out via the internet in  2010  ; I have never received a bill, notice, or any attempt to collect. the debt was then sold to a creditor as the 7 year timeframe was ending.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: SC

Complaint narrative:
On  XXXX  I ran my credit in the hopes of purchasing a home. When I obtained my credit report I noticed there were inquiries on my report I did not authorize. The inquiries were dated back to  XXXX . I called Equifax,  XXXX , and   XXXX   to advise that I had a fraud alert placed on my account back in  XXXX  and no one is authorized to run my credit unless I authorize it. Each credit bureau advised me that I would need to file a police report to have inquiries removed. On  XXXX / XXXX / XXXX  I went to the police department to file a police report. Th e officer calle d each credit bureau to advise of the report and unauthorized inquiries. They have refused to remove these unauthorized inquiries despite me having a police report and following the protocol I was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
PayPal signed me up for a credit card without my consent and then charged me {$45.00} dollars fee on XX/XX/XXXX. I did n't know my rights, so after paying I contacted customer service to dispute this charges and I was told that there was nothing they could do because I have already paid. It is now XX/XX/XXXX and now I received a letter from PayPal stating that I owe them {$10.00}. When I call the XXXX hot line I was asked how I was going to pay the {$10.00}. So I asked them what is this fees for. I told them that I have asked them to close my account which they did. I asked the representative to explain the charges since I had already paid the balance plus late fees even though it was something I did n't authorized. She put me on hold and after 6 minutes of waiting on hold she apologized and informed me that they have made a mistake. The {$10.00} fees were charges of {$2.00} for each month for the last 5 months on a XXXX balance account that was closed. I told her that I was going to put a complain because I am sure that this has happened to many people out there. This seems to be a very successful scam that PayPal is running.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: MO

Complaint narrative:
XXXX   XXXX   IS REPORTING  2 COLLECTIONS ON MY CREDIT REPORT ONE  IS FOR  XXXX  OPENED  XX/XX/XXXX . AND ONE FOR  XXXX  OPENED   XX/XX/XXXX .  I HAVE NOTIFIED   XXXX   XXXX   AND LET THEM KNOW I WAS A VICTIM OF IDENTITY THEFT IN THE PAST. I SENT A LETTER TO THE CREDIT BUREAUS AND FORWARDED A COPY OF THE POLICE REPORT AND IDENTITY THEFT AFFADAVIT TO THE COLLECTION AGENCY AND TO THE CREDIT BUREAUS. I ALSO HAVE A ACCOUNT WITH  XXXX   XXXX  FOR  XXXX  OPENED   XX/XX/XXXX .   I HAVE NO KNOWLEDGE OF THESE WIRELESS ACCOUNTS. IF MY IDENTITY HAS BEEN COMPROMISE IT IS THE RESPONSIBILITY OF THE CREDIT BUREAUS TO REMOVE ANY NEGATIVE INFORMATION FROM MY CREDIT REPORT AS A DIRECT RESULT OF THE IDENTITY THEFT. THE COLLECTION AGENCIES HAVE FAILED TO RESPOND TO ME DIRECTLY AND THE CREDIT BUREAUS SAY THE COLLECTIONS ARE BEING VALIDATED.

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 2017-06-02 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: SC

Complaint narrative:
On  XXXX  I ran my credit in the hopes of purchasing a home. When I obtained my credit report I noticed there were inquiries on my report I did not authorize. The inquiries were dated back to  XXXX . I called  XXXX , Transunion, and  XXXX  to advise that I had a fraud alert placed on my account back in  XXXX  and no one is authorized to run my credit unless I authorize it. Each credit bureau advised me that I would need to file a police report to have inquiries removed. On  XXXX / XXXX / XXXX  I went to the police department to file a police report. The  officer  called each credit bureau to advise of the report and unauthorized inquiries. They have refused to remove these unauthorized inquiries despite me having a police report and following the protocol I was given.

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 2017-06-02 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: SC

Complaint narrative:
On  XXXX  I ran my credit in the hopes of purchasing a home. When I obtained my credit report I noticed there were inquiries on my report I did not authorize. The inquiries were dated back to  XXXX . I called  XXXX ,  XXXX , and Experian to advise that I had a fraud alert placed on my account back in  XXXX  and no one is authorized to run my credit unless I authorize it. Each credit bureau advised me that I would need to file a police report to have inquiries removed. On  XXXX / XXXX / XXXX  I went to the police department to file a police report. Th e officer  called each credit bureau to advise of the report and unauthorized inquiries. They have refused to remove these unauthorized inquiries despite me having a police report and following the protocol I was given.

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 2017-06-02 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: GA

Complaint narrative:
Equifax refuses to delete multiple unauthorized inquiries from my credit report. There are multiple inquiries from the same company. The unauthorized inquiries must be deleted.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: TX

Complaint narrative:
I received a call from Stoneleigh Recovery Associates XXXX XXXX XXXX XXXX XXXX, IL XXXX. A " XXXX XXXX '' left me a message to return his call at XXXX, The call was spoofed as " XXXX '' I guess to appear as a local number so I would answer. I returned the call and talked to XXXX XXXX and he advised me it was a an attempt to collect on an old XXXX XXXX credit card debt. I advised him I did not wish to speak to him about and and asked he not call me any more and he kept pushing me telling me to handle my responsibilities, get out my check book and the whole nine yards. he just refused to accept that I did not want to speak to him. My issue with XXXX XXXX is between myself and them. If they have chosen to sell the debt some day i may be able to resolve it. My complaint is this guy just continued to badger me over and over. He claims it was recorded. Please ask for the recording. the call was from XXXX which is my cell phone and i was at work. I do n't believe that spoofing numbers is allowable under the FDCPA Section 807 : A debt collector may not use any false, deceptive, or  misleading representation or means in connection with the collection of any debt. I also think that the continual repetition of " taking care of my obligation, get my check book '' and general attempts to badger me simply because I refused to talk to him could be construed as a violation of section 808 as well : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.
<P/>
I want the calls stopped and I want an investigation into the violations I cited above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
I have been trying to short sale my home with SPS since  XXXX / XXXX / XXXX . The short sale has been denied multiple times for " missing documents '' despite the fact that I have resubmitted the documents multiple times. Most recently, the short sale was denied on  XXXX   XXXX ,  XXXX . The file was re-opened on  XXXX   XXXX  and I submitted the required documents.  SPS  requested my updated paystubs and bank statements. On  XXXX   XXXX , I submitted my former employer 's letter of employment showing I was laid off in  XXXX   XXXX  and not currently employed. A phone call was made to SPS on  XXXX   XXXX ,  XXXX . I was advised that the file was  COMPLETE  as of  XXXX   XXXX  and had been forwarded to underwriting for a final decision in 30 days. On  XXXX   XXXX , another phone call was made. SPS advised they had approved me for a loan modification. I am unemployed, how am I supposed to make any payments? This is the reason I 'm pursuing a short sale. I followed up on  XXXX   XXXX . I was told by SPS that my short sale was DENIED on  XXXX   XXXX  for missing documents. What documents? They told me the file was complete as of  XXXX   XXXX . They never requested any documents on my follow up phone calls  XXXX   XXXX  or  XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation