vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company reflects this debt as inaccurate. It shows as open debt when it is not open and I have never had a contract with XXXX XXXX XXXX. The credit reporting agencies are constantly reporting this in error, which is a violation of FCRA. 

In addituon, XXXX XXXX has yet to provide proof of the required surety bond needed to collect in the state if Texas per the Texaa Finance code. I am requesting this information within 10 business days. This company is headquartered out of XXXX. The credit reporting agencies are in  violation of the Texas Finance code for allowing this debt without the proper surety bond per my state of residence.

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 2017-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, 2017, While checking my bank statements, I noticed 2 charges on my account that neither my husband or I did not make. I immediately called Regions Bank to notify that my account had charges we did not make and asked that they be denied or to stop payment as transactions were pending. I was told they cant do anything until the charges clear. I said I did not make them but still was told nothing they would do until cleared, it could take up to 10 days. The charges were international and I stressed I did n't make them but nothing would be done until they cleared, So they paid out {$730.00}. XXXX from my account charged me international fees and overdraft fees then denied my claim saying that they were verified charges. If I had any further questions to contact the merchant. How? I asked I ddnt know the companies the charges were made from and internationally? Didnt that raise a red flag with the bank? I have never ever used the cards out of the country, I have not been out of the country. Sorry they said transactions were verified. I dont know how. What else can I do?

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 2017-12-13 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XXXX XXXX 2017, I received a bill from HSBC bank which appears that someone had stolen my identity and opened a new credit card under my name and address. They charged {$9400.00} on the card. I called HSBC bank that night but was on hold for almost one hour. I tried calling again the next morning and was on hold for another 50 minutes. Finally, I went to the branch in XXXX, CA and they had me call their Fraud line again. I called from the bank and was on hold for another 37 minutes before someone talked to me. I was asked to fill out an affidavit form which I did and returned back to them but have not had any results. I also disputed the card on XXXX but HSBC bank certified to XXXX that the information is correct. When I was at the bank, they told me some information filled out on the credit card application was incorrect. The applicant used the wrong home phone number and wrong email address. There was another bank that the criminal got a card from also under my name, but that bank had already resolved the dispute and removed it from my credit report. HSBC however does n't seem to care about my credit score and their customer service is very slow in responding. I think someone needs to audit the dept that is approving credit card applications at this bank. Especially if they are allowing transactions like this to go through. Other banks would have called to verify or have the stores check photo IDs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
My husband totalled our XXXX XXXX XXXX on XX/XX/XXXX. We notified Exeter immediately and advised them the insurance company would move the vehicle. Conversation recorded. We spoke with and updated Exeter on status several times. Again On XX/XX/XXXX, I spoke with Exeter for 13 minutes explaining XXXX would move the vehicle and we would begin negotiations for payoff. Exeter moved the vehicle without permission and effectively repossessed a vehicle that was not in default. They say they mailed a notification on the XX/XX/XXXX and had tried to reach me prior. ( Again I spoke with them 13 minutes on the XX/XX/XXXX ).  They did not. I only saw the notification by looking at my account at a later date. We are still attempting to negotiate payoff. Exeter has made it clear they refuse to release title or work with me on the insurance claim. When I spoke with an agent recently, she became upset that I was recording the conversation and refused to talk further. Each time I call they seem very concerned about recording because of the illegal nature of thier dealings concerning this matter. They have reported a repo on my credit report drastically effecting my score and have made no attempt to help resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
yes XXXX XXXX useing my ssi information for this credit card fraud on my credit report address u need contact her XXXX XXXX XXXX XXXX XXXX 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 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
yes XXXX XXXX put in another credit card under my name ssi number XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doing fraud useing my 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 2017-12-13 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
yes XXXX XXXX put in another credit card under my information useing my ssi number fraud address u need contact her XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-12-13 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: FL

Complaint narrative:
Back in XX/XX/XXXXI suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from XXXX XXXX. The vehicle at fault ran a stop sign and drove straight onto my XXXX XXXX I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from XXXX XXXX I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.

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 2017-12-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from XXXX XXXX. The vehicle at fault ran a stop sign and drove straight onto my XXXX XXXX I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from XXXX XXXX I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from XXXX XXXX. The vehicle at fault ran a stop sign and drove straight onto my XXXX XXXX. I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from XXXX XXXX I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.

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 2017-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I had XXXX Bitcoins stored in a Wallet at Coinbase. On XX/XX/XXXX all my Bitcoins were transferred from my account. The transaction history on Coinbase says that money were " sent to Coinbase '' without further explanation. Coinbase does not offer phone support for transactions and asks their customers to create an support case via their web gui. Ive created several but they get closed without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Good day, My problem is with COINBASE. I will provide evidence of purchase and communication which has not been responded to so I have no other mean of reporting the problem but to you. 

Some time ago I purchased few LiteCoins ( LTC ) with coinbase. Just recently I decided to cash out my LTC and what happened is that the money were not credited to my account. 
I attempted to contact COINBASE by PHONE and EMAIL ( SUPPORT ). I received 0 responses to my needs and I really would like to see if you can help me out here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX will call before or on the due date and demand payment. If you do n't make payment over the phone they report a late payment. This happened in XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX Amount {$240.00} Opened XX/XX/XXXX Original creditor -XXXX XXXX Midland keeps trying to collect debt that was discharged in bankruptcy. They purached a junk debt, they have reaged the debt and refuse to review papers showing debt was discharged in XX/XX/XXXX. They are causing me financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
I am concerned about the corrupt activity going on with Mr.Cooper formally XXXX XXXX  XXXX. The company lied about my earlier complaint suggesting that I had mistakenly authorized 3 loan payments in the month of XX/XX/XXXX. When I log into my account to view payment history they have failed to post the 3rd payment they illegally withdrew from my bank. After several calls and countless time on the phone with customer service representatives and supervisors, I have still not gotten my insufficient funds XXXX dollars paid back caused by their illegal withdraws on my account. I have provided a bank statement showing the fees as well as a voided check. This company did not pay the earlier overdraft fees of XXXX dollars which my bank paid when they withdrew the 2nd mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My debit card has been hit for 2 months service with Experian in spite of the fact that I cancelled 2-3 months ago. Cant get anyone on the phone to help resolve this matter after hours on hold and they wont respond to emails.

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 2017-12-13 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 — Was not notified of investigation status or results
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
XX/XX/XXXX - Submitted debt validation in writing. Company originally removed from credit and the replaced back without written notice.

XX/XX/XXXX - never received written notice to validate debt.

XX/XX/XXXX - currently reporting that the debt is refinanced. How do you refinance a collection and incorrectly reporting amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I received these loans to complete school from XX/XX/XXXX-XX/XX/XXXX, during that time I was impacted by hurricane Katrina having lost everything. Not once was I given any information on how to apply for relief from this event, i carried all these loans. I only recieved one or two more to finish school after this. I was given advice for my private student loan, which has been paid off. I was convinced to consolidate my loans in XX/XX/XXXX starting my time on income based repayment over. I have only used my degree once toward the profession I actually decided on for about a year, when I decided that it was not a good fit for me. All this time I had been told there would be jobs available, that the career choice was a good match, etc. When I tried to work in this field I found that was not the case. Since I graduated I have been in the lower income bracket. I have struggled to make a life and feel that these loans should be just about discharged based on the income based repayment program

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is illegally deleting then reinserting fraudulent debt! They reinserted XXXX XXXX XXXX inquiry, they are also listing XXXX XXXX XXXX amount is incorrect, and the delinquencies need to be removed, also XXXX XXXXl all delinquencies and remarks were remove equifax added back all of the account and delinquent remarks without notifying me by mail within 5 days prior to the reinsertion! Equifax has violated the FCRA federal law! I submitted my ID theft affidavit listed the fraudulently accounts and equifax deleted them, but now have reinserted the accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: AP

Complaint narrative:
I have the AMEX Platinum Card and have been assigned a Preset limit of {$5000.00}. They obtained inaccurate information of my FICO score from XXXX with out notifying me on XXXX XXXX, 2017. They claimed it to be a XXXX ... My score today is a XXXX. It has not been that low in a couple years when I had no credit. They also said I had a couple delinquencies which is also not true. I also only had 1 credit inquiry at that time when they said I had " too many on my report in the last 12 months. '' I want them to make sure they are checking the right score and that they take off the pre-set limit. I have never missed a payment with them. I love the card, I 'm just disappointed about them not having incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: FL

Complaint narrative:
XXXX XXXX client XXXX XXXX is an ID theft victim. Her information was used to apply for accounts with XXXX XXXX without her consent. While no accounts were established the fraudulent applications left inquiries on her credit reports. After several disputes TransUnion credit bureau is advising the inquiries are factual record and has refused to remove them from the credit file ; this is a direct violation of the FCRA.

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 2017-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
My teenage daughter received a call last night, XXXX/XXXX/17 at approx. XXXX from Portfolio Recovery from XXXX, asking to speak with me regarding a collection attempt of {$3600.00} for XXXX XXXX. I called the number back and spoke with someone who stated they were attempting to collect debt for XXXX XXXX. I informed them that this was a bogus collection call, that I did not have any late payments, or any problem with any of my accounts and that they were not to call my underage teenage daughter again. I then called XXXX XXXX and confirmed with them that my account was in good standing and that there were no problems with the account. They noted my account about this attempt to collect for them, and instructed me to make sure my daughter gave them no information.

Company response to consumer: Closed with explanation