vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I logged in today XXXX XXXX/XXXX/XXXX XXXX to make sure I was current and to schedule my next payment. It states my amount due is {$34.00} and not due until XXXX/XXXX/XXXX. I have two student loans : one due for $ and one for XXXX that totals {$34.00}. I called to ask Navient 's customer service why my payment was n't due until XXXX and I was told that I had over paid so I am not due until XXXX. But this {$34.00} is late fees. If I overpaid, why was n't it applied to late fees if i have them? If I am paying in advance how do I have late fees? And if those are my late fees what is actually due and when?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
False report of an illegal foreclosure as valid. They were notified of this in XXXX of XXXX. The foreclosure was illegal due to falsifying of documents and failure to adhere to law. On XXXX XXXX, XXXX it was declared before the XXXX XXXX XXXX XXXX XXXX North Carolina of the violation of XXXX XXXX XXXX XXXX Section 8 by regulation amounts of money by entities that are not Congress.  Elements within XXXX XXXX proceeded to disregard and proceed forward with further human rights violations. Furthermore, this all constitutes a violation of XXXX XXXX XXXX section 242, as well as many other international, federal, and state laws. 
The credit agencies have blocked online access and are not responding to letter mail either. The other agencies are also ignoring this matter. I am currently being automatically denied a place to live based on this illegal foreclosure and eviction. 
Do n't believe me, the email from XXXX XXXX, XXXX explicitly does not authorize any of the other actions taken. 
Do n't believe me, get the recording of XXXX XXXX from the XXXX XXXX, XXXX farce of an appeal trial where he admitted the matter had to be heard in federal court. 
Do n't believe me, look at XXXX XXXX and see the requirements were not met. 
Do n't believe me, look at all the documents together. Ignoring this is not going to make it go away.

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 2017-11-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
False report of an illegal foreclosure as valid. They were notified of this in XXXX of XXXX. The foreclosure was illegal due to falsifying of documents and failure to adhere to law. On XXXX XXXX, XXXX it was declared before the XXXX XXXX XXXX XXXX XXXX North Carolina of the violation of XXXX XXXX XXXX XXXX Section 8 by regulation amounts of money by entities that are not Congress.  Elements within XXXX XXXX proceeded to disregard and proceed forward with further human rights violations. Furthermore, this all constitutes a violation of XXXX XXXX XXXX section 242, as well as many other international, federal, and state laws. 
The credit agencies have blocked online access and are not responding to letter mail either. The other agencies are also ignoring this matter. I am currently being automatically denied a place to live based on this illegal foreclosure and eviction. 
Do n't believe me, the email from XXXX XXXX, XXXX explicitly does not authorize any of the other actions taken. 
Do n't believe me, get the recording of XXXX XXXX from the XXXX XXXX, XXXX farce of an appeal trial where he admitted the matter had to be heard in federal court. 
Do n't believe me, look at XXXX XXXX and see the requirements were not met. 
Do n't believe me, look at all the documents together. Ignoring this is not going to make it go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: LA

Complaint narrative:
A charge was made on my card in XX/XX/XXXX, and it was flagged at the time by Citibank as fraudulent and they notified us to question the charge. We did n't make the charge and told them, so they replaced the credit cards with a new number. We were sent a letter to sign and return, dated XX/XX/XXXX, to verify " Neither I, nor anyone authorized by me, made this charge or received any benefit. '' Then, XX/XX/XXXX we received notice that the transaction would not be removed from my account due to " insufficient information to support my claim. '' The merchant provided a sales ticket and a XXXX statement that showed my address, and delivery on XX/XX/XXXX. However, I went online at XXXX and pulled up the tracking number to discover that although my address was listed as the " ship-to '' address, the package actually was delivered in XXXX XXXX, CA. 
Perhaps the package was re-directed? 
Bottom line, this transaction was fraudulent, neither I, nor anyone in my household, ordered two expensive watches, did not receive watches, nor benefited in any way from this fraudulent transaction. 
I would be happy to provide all supporting documents in this case.

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 2017-11-02 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 routinely allows companies to conduct credit checks to my credit profile causing my credit score to go down significantly but when trying to get to the bottom of why companies where allowed access to my credit profile. Equifax has no real answer. Moreover, they have decreased my credit score significantly and after I 've reported to them, that I did not ask companies to check my credit, they want me to XXXX my credit frozen. Meanwhile, they have keep my credit score very low, costing me loan approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: IL

Complaint narrative:
I sent two seperate letters to Experian & XXXX ( one in XXXX and over 30 days later in XXXX ) asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded Experian & XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... Experian & XXXX act like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ...

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 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX on several dates over the course of 3 years. This past month, I contacted them on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ; then, I contacted them on XXXX XXXX and XXXX to discuss the issue. I explained to them that my mortgage account is not on my credit file with XXXX. After speaking with XXXX, the representative informed me that XXXX XXXX XXXX XXXX will have to call them directly about my financials on my account and request a reincert. I explained this to them and they keep telling me it 's already reporting instead of trying to take care of the issue.

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 2017-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
commonwealth finanicial has cause harm to my credit with XXXX XXXX XXXXt drop in my credit score with XXXX  credit breau without vaildating the proper procedure for debt collection according. FAIR DEBT COLLECTION PRACTICES

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: STERLING JEWELERS, INC.
State: NJ

Complaint narrative:
Kay jewelers called my job looking for me. They claimed they were a bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Niagara Credit Solutions, Inc
State: NC

Complaint narrative:
I was contacted about this debt back around XXXX. I stated then that I was n't aware of this debt and requested information that was never received. It is now 7 to 9 years later ( beyond collections statues ) and I 'm being harassed again via phone calls and mailed letters for money in the amount of XXXX for a debt with XXXX XXXX XXXX and XXXX XXXX, XXXX. The letter states the principle balance is XXXX and XXXX XXXX of XXXX 

Please provide documentation as well as check the FDC status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On or about XXXX XXXX, BANK OF AMERICA debited {$2200.00} from my checking and savings account. The reasoning was they had a legal order to hold my funds. I called BANK OF AMERICA only to have representatives tell me there was nothing they could do. BANK OF AMERICA claims they received a " notice of a lien '' which is not an actual lien or a legal order. If BANK OF AMERICA is debiting my account because of a " notice of a lien '' this is securities fraud. BANK OF AMERICA has no sworn statement under penalty of perjury that said " notice of a lien '' is true, nor do they have a court order pursuant to XXXX XXXX XXXX that corrobarates this claim. If I am mistaken I ask those documents be presented immediately. Due to the extreme amount of fraud and scams, it is only right that BANK OF AMERICA would make sure such documents are valid before allowing it to cause harm to one of their loyal customers. I have attached a copy of the " notice of lien '' BANK OF AMERICA mailed to me as well as my own affadavit that BANK OF AMERICA is welcome to rebut or have the person ( s ) claiming I owe a debt rebut. This matter is causing me and my family stress as I am unable to pay my bills and properly take care of my family.

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 2017-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XXXX the XXXX I have transferred an amount of XXXX XXXX via wire transfer. 
As stated on The company web site ( coinbase.com ) the wire transfer should take 1-2 days to be shown on the wallet.
I have sent several emails and made many phone calls to customer service. I was told that my case has been escalated and it should take 48-72 to hear back. but nothing happened. 

on my last call with customer service they refused to give me a time frame to solve my issue. 

Yesterday I received an email from Coinbase saying that they are sad to received a request from me that I want to close my account, Which I never did At this point I have lost nearly XXXX, as the price of the XXXX is going up everyday and I am not able to use other company service since my money is blocked with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: GA

Complaint narrative:
XXXX routinely allows companies to conduct credit checks to my credit profile causing my credit score to go down significantly but when trying to get to the bottom of why companies where allowed access to my credit profile. XXXX has no real answer. Moreover, they have decreased my credit score significantly and after I 've reported to them, that I did not ask companies to check my credit, they want me to ave my credit frozen. Meanwhile, they have keep my credit score very low, costing me loan approvals.

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 2017-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent two seperate letters to XXXX XXXX TransUnion XXXX one in XXXX and over 30 days later in XXXX XXXX asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded XXXX & TransUnion to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... XXXX XXXX TransUnion act like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ...

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 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK
State: NJ

Complaint narrative:
I am disputing the late fees charge of XXXX}, which should have been removed when the XXXX XXXX grant was applied to your loan balance on XXXX/XXXX/XXXX. Please Review and Correct the problem. 
Investors Bank loan XXXX Thanks 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 2017-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XXXX XXXX XXXX Coinbase closed my personal and business accounts with them. While my business account had a zero balance, my personal account had a balance of XXXX. I followed the on-screen instructions to have these funds returned to my bank account but after submitting the form their website displays the following error message : 'Subtotal ca n't be blank. Subtotal is not a number. Total ca n't be blank. Btc ca n't be blank. Payment method ca n't be blank '. I emailed the company on XXXX XXXX XXXX and received a reply on XXXX XXXX XXXX stating they would investigate. All further emails have resulted in a template reply or no response at all. Their site is still broken and I still can not retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I opened a second checking account with Well Fargo for bill paying my account went negative due to unauthorized transactions and thereafter the account closed and was sent to a collection agency without notice. After contacting Well Fargo at its executive level spoke with a XXXX XXXX XXXX refused to oversee the matter in its entirety when I ask for her direct contact information she refused to provide her direct information only after I advised her that I would complain she then gave me her full information.

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 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX on several dates over the course of 3 years. This past month, I contacted them on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ; then, I contacted them on XXXX XXXX and XXXX to discuss the issue. I explained to them that my mortgage account is not on my credit file with Transunion. After speaking with Transunion, the representative informed me that XXXX XXXX XXXX XXXX will have to call them directly about my financials on my account and request a reincert. I explained this to them and they keep telling me it 's already reporting instead of trying to take care of the issue.

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 2017-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: PA

Complaint narrative:
They eliminated my overdraft protection after a direct deposit came in. This could not have been at a worse time because I needed to pay a bill!!!

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 2017-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NM

Complaint narrative:
I canceled my internet service with XXXX XXXX in XX/XX/XXXX, and remitted payment for my final outstanding balance in XXXX XXXX. At this time I was given confirmation that my account was close, with a XXXX balance and in good standing with XXXX XXXX. I returned the router as requested and that was it. On XX/XX/XXXX, I received a credit alert advising me that a new collection account was open under my personal information. XXXX XXXX transferred a debt in the amount of {$100.00} to I.C Systems. Please be advised that I never received a bill, a late noticed of any kind by XXXX XXXX or I.C Systems given me no opportunity to dispute the debit prior to negatively impacting my credit report. Following the credit alert I contacted XXXX XXXX XXXX Customer Care team, after speaking with several representative I spoke with XXXX. He was great, helpful and took the time to review my concerns properly. He let me know that the {$100.00} charge was for the router. Although they could confirm that the router was delivered, it reflected delivered two days after the allotted return timeframe. Considering that they have possession of the equipment, he moved forward to issuing a credit for the outstanding balance of {$100.00}. I was advised to contact XXXX XXXX on Monday to get confirmation that the account was closed, with a XXXX balance and that they instructed the third party collection agency to delete all negative reporting associated to the debt. Well on Monday XX/XX/XXXX, I was told the credit was there reflecting as pending approval and that I should call again in a few days. I called again on XX/XX/XXXX, and I was given the same story.

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 2017-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
I was contacted about this debt back around XXXX. I stated then that I was n't aware of this debt and requested information that was never received. It is now 7 to 9 years later ( beyond collections statues ) and I 'm being harassed again via phone calls and mailed letters for money in the amount of {$12000.00} for a debt with XXXX  XXXX XXXX and Velocity Investments , LLC. The letter states the principle balance is {$7200.00} and Interest Balance of {$5200.00}. 

Please provide documentation as well as check the FDC status.

Company response to consumer: Closed with explanation