vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account was frozen by the creditor and a statement of {$89.00} was still post on XX/XX/2017. I made several calls since then and talked to multiple account managers. The final decision was my account would be handed over to another department for review and close down. The creditor kept reporting delinquent account to TransUnion and XXXX  during that period. I couldn't access my account since it was frozen. There's nothing I can do with my account. It is extremely unfair to do this to me.

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 2018-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To Whom it may concern, I have requested validation of account with XXXX XXXX XXXX for a account that they claim belong to me for the amount {$690.00}. I only have partial account number # XXXX. To this day they have not been able to prove. That account is not mind. They keep saying is validate. How can they do that? According to the FAIR DEBT COLLECTION PRATICES ACT it gives me the right to request validation of debt. They keep reporting to XXXX, XXXX  and XXXX .I have attach a letter than I have send to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: AES/PHEAA
State: IN

Complaint narrative:
I've tried to get accurate information about this student loan debt since XX/XX/2017. Everyone ( all 3 credit bureaus & XXXX ) keep giving me the run around with no offically signatures from me connecting me to almost {$14000.00} in alleged student loan debt. Finally, after requesting this information several times ; XXXX sent me a packet with several pages of computerised signatures ( which I did no such thing over the internet in reguards to any federal student loans ). Connecting me to this alleged debt. The credit bureau ( XXXX  ) states no original documents were given to them with my original signature connecting me to any student loan debt yet the information in there system is accurate due to confirmation of my social security number, address, DOB and name?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I purchased {$5000.00} worth of virtual currency from Coinbase. On XX/XX/XXXX that {$5000.00} was withdrawn from my checking account and sent to Coinbase. On XX/XX/XXXX I received an email that my order had been cancelled with no explanation as to why and that I would receive my funds back in my bank account within 3-4 business days. I immediately began a support case via email with Coinbase to clear up any confusion & rectify the mistake of the order cancellation. I received no personal email response so I began calling Coinbase to try to understand why the order was cancelled and when I could get either my currency or my USD back in my account. At the time of writing this it is XX/XX/XXXX and I have spent many weeks calling and many hours on hold with no resolve to my issue. I still have no money back in my checking account and I have no virtual currency either. My case is continually 'escalated to a specialist ' but no one can provide any answers in regards to when I will receive my funds back, what happened or why it is taking so long. At the time of writing I have logged 18 phone calls and 7 emails with no resolve since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
There are loans that say negative.. not accurate. 

Loan amount..not accurate Please remove negative loans HIPPA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are loans that say negative.. not accurate. 

Loan amount..not accurate Please remove negative loans HIPPA violation

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 2018-02-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are loans that say negative.. not accurate. 

Loan amount..not accurate Please remove negative loans HIPPA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are loans that say negative.. not accurate. 

Loan amount..not accurate Please remove negative loans HIPPA violation

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 2018-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I recently opened a new account with Citibank online. On XX/XX/2018, I went to the Citibank branch at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX to make my opening deposit. I deposited {$1000.00} in to the newly opened checking account, and I inquired about getting a Direct Deposit form. The teller referred me to a personal banker by the name of XXXX XXXX. I saw a brochure about the CitiGold account, with a promotion of {$700.00} bonus for that type of account. When I sat with XXXX XXXX, I asked her about obtaining a Direct Deposit form and I wanted to get more information about the CitiGold savings bonus for the CitiGold account. She said, " Why would you want to do that? '' She then proceeded to ask, " Are you XXXX? What dialect do you speak? '' She then started speaking in XXXX, like I would understand her. " I said I speak XXXX ''. She made me feel as though I was XXXX  for asking about the CitiGold account, like I couldn't or wouldn't be eligible for the Savings average balance minimums. As a US Veteran, I've never felt so insulted in my life. I never asked for a translator. She began lecturing me about how my deposit would be on an extended hold. I asked why would it be when I deposited cash. She was deterring me from obtaining more information about the other products offered by the bank. Was it because I was XXXX and she assumed I didn't speak English? I ended up getting frustrated and just asked her for the Direct Deposit form and I left the bank. The whole ordeal has increased my social anxiety and XXXX because she embarrassed me in front of everyone that was an earshot away in the bank lobby. I went back to the branch a few days later and I spoke to the branch manager and she helped me. I just wanted someone else to know that behavior that was displayed by Personal Bankers, like XXXX XXXX is unacceptable. Although she is the same race as me, she shouldn't assume I don't speak English or that I couldn't afford the savings minimum for a CitiGold account or that I'm ignorant. I am a proud American, who has served his country in honor and to be treated that way is unfair, discriminatory, and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I filed online dispute XX/XX/XXXX. Contacted XXXX with certified mail included documentation that was signed for XX/XX/XXXX by someone at company. Requested validation of debt in letter XX/XX/XXXX. No contract with this company must remove debt from credit file ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Why did I received the below e-mail from Bank of America From XXXX Bank of America XXXX Subject : You have a new bill from Bank of America Credit Card To : XXXX Reply To : Bank of America XXXX E-mail noted " You have a new E-bill from Bank of America Credit Card. 

I HAVE NOT SIGNED UP FOR ON LINE E-BILL OR ON LINE BILLING. 

AGAIN, WHY DID YOU SEND THIS E-MAIL TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
XXXX, XX/XX/2016, amount XXXX . 

I went Into the XXXX store before they sent the debt to collections. I wanted To make a payment and reconnect service. They said i couldnt And wouldnt let me get a new phone because of the history i had With them. They said they would soon send it to collections where i can Work out payment plan with collection company and possibly get a new phone when i pay Off 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 2018-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Frauding scams using XXXX Indiana and XXXX Indiana title work attached to towns social numbers and birth certificate and XXXX   record and schools records, 50 states frauding cases Also frauding scams using XXXX fraud ids and business permits Frauding scams using XXXX business permits and ids There was others counties of Indiana which wrecked on that location of data

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 2018-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Frauding scams using XXXX Indiana and XXXX Indiana title work attached to towns social numbers and birth certificate and XXXX   record and schools records, 50 states frauding cases Also frauding scams using XXXX fraud ids and business permits Frauding scams using XXXX business permits and ids There was others counties of Indiana which wrecked on that location of data

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 2018-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Frauding scams using XXXX Indiana and XXXX Indiana title work attached to towns social numbers and birth certificate and XXXX   record and schools records, 50 states frauding cases Also frauding scams using XXXX fraud ids and business permits Frauding scams using XXXX business permits and ids There was others counties of Indiana which wrecked on that location of data

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 2018-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
2nd Complaint on this same topic : Since 2011 I have held a Citi Bank Diamond Preferred Credit Card with CitiBank. I had loads of positive credit on my 3 credit files. The account is open, active and all positive credit. Last year I checked my credit file and the account was missing. I made MANY calls to customer service and each time I was told that they could not help. One time a lady ( XXXX ) said to not worry that she would sort it out. I still do not see any of my past credit. I want that all put back on all 3 credit bureaus. I can not get anyone to agree that this could have happened AND how to fix.

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 2018-02-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HUELSON LAW FIRM, LLC
State: CA

Complaint narrative:
2014, XXXX XXXX XXXX, {$13000.00}. 
They sent a amount to collections for the amount of {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have a joint account with my daughter on 2 XXXX XXXX credit cards ( one is Car Care and other is XXXX XXXX XXXX   ). I am the primary account holder. My daughter is filing bankruptcy and had to list these 2 on her debt. The company has closed the account which I understand. I want to try to keep my credit intact, so went online to make a payment and they have denied online access. I called Synchrony and explained that I was definitely paying the balances since I am responsible for the debt. They then informed me that they have considered the account charged off. Advised them I didn't want that -- I want to continue paying the amounts owed. They also said I no longer have a " due date '' because of this. I would have to mail in the payments to them from now on. Advised them I didn't have a statement, and they are refusing to send me statements! I told them so I have to continue to send in payments BLINDLY not knowing my balance, what I consider to be a " due date '', or how much of my payment is going to principal and how much to interest. I can call each month, but that gives me no WRITTEN documentation of payments, balances, interest/principal payments, etc. Would this not be a violation of the Fair Credit Bill Act which states that creditors must send statements? Does say within 14 days of due date and they are saying there is no longer a due date, but I feel this is still a violation of this Act.

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 2018-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I purchased my vehicle 4 years ago for XXXX and every year the balance never changes and the balance remains the same. Santander USA over the top interest rates make it impossible for any principle to be paid. This can't be lawful and throughout my economic hardship they have refused to lower the interest. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to XXXX XXXX ( XX/XX/2017 at XXXX ) with the intent of doing the 90-Day ( Promotion pay in full with NO CREDIT ) I made it clear I did not want a credit card with the associate XXXX XXXX. 

XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXX/XX/2017 at XXXX She asked for my name, information, address ETC. I did not sign anything and a few minutes later she hands me a paper saying I have been approved for XXXX. I did not sign anything and they still opened a credit card in my name. I spoke to the manager and she said there is nothing they can do since the associate had already submitted my application ( Which I did not even consent to or sign and basically said its my problem to call XXXX XXXX to close the account ). 

The manager called XXXX XXXX and provided the " Key Number '' as soon as this happened to say that the line of credit will " disappear '' if I don't use it for 30 days. She was denying the fact that they opened up a credit card in my name and said to " not worry '' its a " mattress '' credit card and not a regular " visa '' credit card.

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 2018-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Platinum Master Card Account Ending in ... XXXX. Account closed by the creditor XX/XX/XXXX. 
XX/XX/XXXX Remaining balance of {$12.00} paid, a {$.00} credit remained on the account.

Payment Due Date XX/XX/XXXX.

XX/XX/XXXX account charged a {$6.00} finance charge, minus the {$.00} credit a remaining balance of {$5.00} remains. 
Called Capital One on XX/XX/XXXX to dispute this finance charge, was told I was responsible for the fee. 

Complaint : Closed account with a XXXX  balance continues to generate finance charges with the expectation that I need to pay each time. 

Please assist with the resolution of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filled out a application on XXXX for a payday loan and it had me enter in my capital one 360 routing number and account number and then login to verify it was my account. After logging in I received a message error stating I was blocked from viewing my account data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: TX

Complaint narrative:
On XX/XX/XXXX, I went to my bank to transfer XXXX USD to my Coinbase account. Prior to transferring the account, Coinbase was claiming to transfer incoming wire within 1-2 days. So, I proceeded to transfer to my account in Coinbase. I waited 2 business days and no funds were  available, so I submitted a ticket to support. Since Coinbase does not have a support number for wire transfer I could not speak to anyone about my case. After a couple of days I got a generic email saying they apologize for the delay, they were behind on wire transfer and all transfers should be completed. I replied back to the email explaining that my account does not have my funds transferred. Again after a few days, I get no response so I continue to ask for updates. Coinbase only replies with a generic message but no indication that my funds are available or what the delays maybe. Ive sent over 30 emails with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX closed one of my accounts ( it still shows open with Equifax ) and stated that my credit was no longer good enough to have the account. I was puzzled so I went to look up my credit score. My score was suddenly about 60 points lower than normal with the FICO 8 score. However, my report showed no changes in accounts. Since then, my score has been fluctuating wildly several  times a month. I have contacted Equifax about it and asked them to make sure I don't have split reporting. I've been told I do not but that seems to be the only logical answer. Creditors that use Equifax are not viewing my negatively even though I have no new negative information reporting. If I don't get this resolved, I will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Reference : Everyday Checking Account ending in XXXX XXXX XXXX XXXX ( XXXX ) Case XXXX Consumer Financial Protection Bureau ( CFPB ) Cases XXXX and XXXX The issues with this account have negatively affected my life and my business because this blemish has affected how banks treat me. As stated in previous communications, this account was supposed to be handled and made positive but the banker handling it was no longer working there in the middle of the process. I paid the company despite knowing I truly did not owe the money. I just want it removed from XXXX. I'm prepared to take legal action if necessary.

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