vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Services, Inc.
State: IL

Complaint narrative:
I had a missed call from National Credit Services at about XXXX XXXX on XX/XX/19. I returned the call and verified my date of birth but refused to give the last four of my social security number. I asked the rep who they represented and she kept giving me her company 's name. I asked for a supervisor the rep asked me to hold and then came back onto the line to ask me to continue holding. I advised her that wasn't necessary and to please just remove my telephone number. We ended the call. The next morning I received another call. I called back and again verified my date of birth and again refused to confirm my social security number. I asked why I was being called when I requested my number to be removed. The rep asked my why I wanted my number removed. I advised her that it didn't matter why I wanted it removed. I asked if it was documented that I wanted my number removed and she stated that it was. I advised that I would be filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for a balance transfer of {$4500.00} from American Express credit card to my XXXX credit card on XX/XX/XXXX. I did it over American Express 's balance transfer website. However, after 1 month, even though my American Express card showed it was completed and added that amount of money to my current balance, my XXXX credit card still had not received that transfer. Then I called the customer service of American Express and they found that their online system incorrectly recognized my XXXX credit card as a XXXX credit card ( I don't have any account with XXXX XXXX!!! ). They said it is their fault and they will take care of it by retrieving the money back from XXXX XXXX and canceling this balance transfer. However, I have been waiting for another month now and they still have not been able to get this fixed. I have been calling them every week and they always said there is nothing they can do -- I should wait and call them back in a few more days. Because of their fault, I was paying interest charges from XXXX and also paying the balance transfer processing fee from American Express. Another critical issue brought by this is that I am currently applying for mortgage to buy a property, and a credit card with nearly full balance for nearly two months would not help with my application at all! Please help. I just can not deal with American Express any longer. Every time when I called them, they just tell me that I have to wait without providing any detail regarding if and when this would be resolved. Another month or even longer? Please help. Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: OH

Complaint narrative:
These items below do not belong to me at all. 

XXXX XXXX XXXX # XXXX {$1500.00} XXXX # XXXX {$1400.00} XXXX XXXX # XXXX {$1300.00} XXXX # XXXX {$1200.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$1000.00} XXXX XXXX XXXX # XXXX {$930.00} XXXX XXXX XXXX # XXXX {$640.00} XXXX # XXXX {$380.00} XXXX XXXX XXXX # XXXX {$300.00} Collection # XXXX {$230.00} Collection # XXXX {$230.00} Collection # XXXX {$220.00} Collection # XXXX {$220.00}

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 2019-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NV

Complaint narrative:
Dear Bureau : About 1 year and 4 months ago, I decided to refinance my car with OneMain financial. At that time the staff of One Main proceeded to explain the details of the loan, it was quick and a lot of information to assimilate at the same time. Anyways, I applied and I was approved, the details are broken down in the attached document. My previous loan with XXXX XXXX was XXXX that they proceeded to pay and on that amount they also financed an amount of XXXX, for a total of XXXX ( OneMain loan plus the daily interest payment on this principal amount ) Since XX/XX/XXXX I have been paying around XXXX dollars per month every month, many times with a lot of sacrifice as you will see attached the bank 's emails of " insufficient funds ''. This loan with ONEMAIN has cost me my emotional tranquility, this debt is unsustainable, by itself and also because my emotional and financial situation is in detriment. I asked for help, OneMain offered me a loan deferment for 2 months ( document attached ) which actually ended up making things worse because the process was not explained clearly to me ) and it ended up adding late fees. In the last months I have suffered several difficult situations, among them my mother 's illness in the middle of XXXX until her passing in XX/XX/XXXX ( I had to be responsible for medication and funeral costs ), I have also been forced to sign with a XXXX XXXX XXXX to pay my credit cards to the limit since it has spiraled out of control, my health It is deteriorating and I have had more than 10 visits to the doctor in the last two or three months ( XXXX, XXXX, XXXX problems, among other ), on top of all other expenses and daily situations that occur in life. I appeal to One Main through you, to request help in these difficult times emotionally and financially, for a restructuring of this loan, interest reduction, or any help that can decompress my situation in these difficult moments. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-06 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: OH

Complaint narrative:
These items below do not belong to me and they are stopping me from buying a home. 
XXXX  XXXX # XXXX {$3100.00} XXXX XXXX # XXXX {$1000.00} XXXX # XXXX {$100.00} XXXX XXXX XXXX # XXXX {$330.00} XXXX XXXX XXXX # XXXX {$200.00XXXX XXXX XXXX XXXX # XXXX {$200.00} XXXX XXXX XXXX {$3600.00} {$0.00} XXXX XXXX # XXXX {$59.00}

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 2019-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
There are two judgments against me. Both debts are old. 

1 ) Date of Judgment : XX/XX/XXXX Amount of Judgment : {$11000.00} Current Balance : {$15000.00} I was out of the country from XX/XX/XXXX until XX/XX/XXXX. By the time I got the letter for the offer of final payment for {$4800.00}, it was too late. I called the law firm that sent me the letter that this bill is more than 8 years old. They said I was obligated to make payments. 

2 ) Date of Judgment : XX/XX/XXXX Amount of Judgment : {$30000.00} For Judgement # 2,  XXXX cleared out my checking account back in XX/XX/XXXX. I wasn't aware of the judgment against my bank account until I got a phone call from the law firm Hunt & Henriques. They wiped out the money I saved for my rent and car payment. At that time I had just moved to XXXX, Ca to move my mom in with me and have been supporting her because she's not working due to her poor health. 

In XX/XX/XXXXmy mom went into retirement due too her health, I lost my job in XX/XX/XXXX due to the recession and since then it was challenging to find work. At the time we all lived in XXXX XXXX. In XX/XX/XXXX we were out of the country and in XX/XX/XXXX we moved because we couldn't maintain the rent, with only me working and mom only getting SSI income. I moved to XXXX. Then in XXXX I moved to XXXX. I just learned about these judgments as of XX/XX/XXXX becuause my checking account was emptied out by XXXX. 

I am still the head of the household and am still supporting my mom. I can not afford to pay these judgments. Is it past the statute of limitations for them to try to collect debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I received a notice in the mail of an old debt for XXXX for an outstanding bill dating back to 2006. The notice is a settlement offer of {$100.00}. The statute of limitations has passed to collect on a debt this old. I called the company and informed them of this. The customer service representative placed me on " hold ''.

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 2019-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP
State: PA

Complaint narrative:
During a lengthy conversation discussing the prior CFPB complaint and rectification, I was told that all late fees accrued that were previously not required to be paid until end of loan are now due because they were not rolled into the fixed rate. 

There should be no change to loan terms other than fixed rate amount due determined by loan length. 
While I did make several phone calls to the customer service number and had It previously confirmed, as recently as today XXXX - XXXX advised otherwise today. Branch manager XXXX said it should be ok to pay at end of loan as was always the case, but he was not sure. Customer service agents on phone told me ok to pay at end of loan. 

I did not agree nor was I asked or informed prior to conversion that all accrued late fees would becom due as a stipulation of conversion. 

Please confirm that as always, if we choose to pay late fees at loan end, we will not be penalized in any way on our credit report. Satisfying the minimum payment due within the 30 day period each month is what is required to keep the loan current and in good standing. 


Secondly, an additional amount was found to be payable to us, please clarify where the additional funds you offered were found because of our phone call. 
I do not feel a complete and accurate assessment is being performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I am unable to withdraw funds from my Coinbase. I am not able to send money for the service that I needed to pay for with BTC, because my available balance shows $ XXXX/ {$200.00}. Since I was unable to send this money right away, I wanted to pull it out and place it back in my bank account. Coinbase says they are to hold my funds for at least 6-7 days. This is an isSue because I now will come up short on my rent as I needed to pay for this service through XXXX. This is illegal and terrible business practice. What right does coinbase have to withhold my hard earned money? How can they legally not allow me to access my funds especially after their service is useless to me currently due to the fact that I can not even send money to other wallets. I am extremely worried that I may face a hefty penalty for paying my rent late. I have emailed them twice and called numerous times. I got no help in the email response, and nobody to pick up the phone. I am finally writing yet another complaint that hopefully resolves this shady business practice.Thats the whole point of a currency, its to create an exchange market for transactions. Coinbase is preventing me from doing anything but buying more crypto in my account. I have a fully verified level 3 account. I have never heard of any company being legally allowed to stop you from closing your account and receiving the funds within it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: TX

Complaint narrative:
XXXX showing up credit please remove the ftc or fcra violation sent them this over months ago of the violation also inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: OH

Complaint narrative:
These accounts belong do not belong to me and are on all three credit bureaus XXXX XXXX XXXX # XXXX {$3100.00} XXXX XXXX XXXX # XXXX {$130.00} XXXX # XXXX {$900.00} XXXX/XXXX # XXXX {$0.00} XXXX/XXXX # XXXX {$0.00} XXXX XXXX # XXXX {$0.00}

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 2019-06-06 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 90 plus days late on the XXXX/XXXX   XXXX/XXXX/XXXX/XXXX and XXXX/XXXXI accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4, 5, and 6 of the attached credit report. These accounts report a {$0.00} past due. There are also duplicate entries of the same accounts ; the date of last activity is incorrect ; the status being reported is inaccurate ; and some accounts have been transferred and should not be reporting at all. These accounts are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores.

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 2019-06-06 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: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
My identity was stolen in mid-XX/XX/XXXX. Since then multiple fraudulent accounts have been opened around the country using my name ( most of the accounts were with cable companies ). I have put a freeze on my credit report and have successfully challenged all of those fraudulent items on my credit report except this one that I am submitting this complaint about. 

In XX/XX/XXXX, Sequium Asset Solution put a negative item on my credit report for a claim of {$1700.00}. When I became aware of this around XXXX, I contacted Sequium to ask what this was about. They told me that they could not tell me and that I had to contact XXXX. I did speak with XXXX about this and other fraudulent negative items on my report. XXXX was not sure what Sequium 's claim was for but XXXX  did give me very helpful instructions on the process for submitting paperwork to them to challenge all of the claims. After following those instructions, every negative item on my report was removed except the one posted by Sequium. 

In XXXX I called Sequium to ask again what this claim was about and to find out how I can challenge it with them. They initially told me that they couldn't tell me what is was about, when I informed them that I would report them to the CFPB, the person then said she would transfer me to a supervisor who could help me. After waiting on hold for 30 minutes without speaking to anyone I hung up and instead used their online form to submit my questions. I submitted my question approximately 3 weeks ago and I have not received any response. I still do not know what this claim is for and Sequium refused to remove the negative item even after I submitted proof of my actual identity to 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 2019-06-06 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had 3 purchases from a 3rd party on my citi card. I called citi to dispute and they took off and today I noticed 2 charges were added back on. I called in and was advised that citi returned the charges back to me because they said the purchase was in my name. I never purchased with third party and I use to like this card but now I will be paying off balance and closing account. Citi clearly doesnt support their customers. How you took off charges of all 3 and then only added back 2?? And say Im responsible for charges??

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 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I was born in XX/XX/XXXX. XXXX states that I opened up 2 accounts under my SSN. One in XX/XX/XXXX and the other in XX/XX/XXXX. Both of the accounts were clearly opened when I was a minor and not by me. Now there is a balance from one of these accounts that is showing on my credit report in collections and I in the process of trying to get it off. This is currently effecting my job and is costing me money. XXXX states they don't have my BIRTH DATE on file BUT they have my SSN and have the audacity to send an account to collections on my credit without a birth date? How were these accounts opened? How does XXXX legally get away with letting an account be open by a minor. I don't know who opened these accounts but I am more mad at XXXX for letting this happen. I minor shouldn't worry about accounts being opened under their SSN. I couldn't even go to a PG13 movie in XX/XX/XXXX. Why was there a cable account opened?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: OH

Complaint narrative:
These accounts belong do not belong to me and are on all three credit bureaus XXXX XXXX XXXX # XXXX {$3100.00} XXXX XXXX XXXX # XXXX {$130.00} XXXX # XXXX {$900.00} XXXX/XXXX # XXXX {$0.00} XXXX/XXXX # XXXX {$0.00} XXXX XXXX # XXXX {$0.00}

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 2019-06-06 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: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 90 plus days late on the XXXX/XXXX   XXXX/XXXX/XXXX/XXXX and XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4,  5, and 6 of the attached credit report. These accounts report a {$0.00} past due. There are also duplicate entries of the same accounts ; the date of last activity is incorrect ; the status being reported is inaccurate ; and some accounts have been transferred and should not be reporting at all. These accounts are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I did not receive written correspondence from collectors. I did not know this account was in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Dear Sir Madam : I'm currently separated from my wife who maliciously destroyed all mail I had been receiving at our home address. During XX/XX/XXXX -XX/XX/XXXX I had 5 accounts and credit cards fraudulently open online at BB & T Bank in my name. 
I managed to get a police complaint number but no one seem to be able to investigate the person I believe is responsible for the fraudulent activity. 
The mother of my XXXX children ( other person ) is solely responsible for this activity. 
She charged XXXX on one account and paid her student loan for XXXX dollars. She also attempted to withdraw XXXX from some other bank she opened online by forging my signature. I have a few statements in my posetion to prove specific dates when fraud occur.

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