vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
Debt from XX/XX/XXXX-XX/XX/XXXX Back then I wasn't to aware of how credit worked, nor did I receive counsel. Not only that but the information given on my report is incorrect and it took many attempts to reach these people to have them update the information. Even now when an account was charged off and XXXX XXXX these 3rd party companies still are on my report trying to get money from me. I asked for original signed Contract documents and they send me bills instead. Then tell the credit companies everything is accurate when it is not. I'm asking to at least pardon these charges and wipe them off my report so I have a chance to start a new. The companies are XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX  which I actually found out wasn't suppose to offer me a credit card in the first place due to my living in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
To whom it concern, We went to make a payment on our Best buy account on Friday, XX/XX/XXXX, and were told they wouldn't take a payment because the account had been charged off. They gave us the phone number to contact on Monday, XXXX XX/XX/XXXX, which was to the Citi bank Recovery Department. The recovery department said they couldn't talk to us after until XX/XX/, when the account would be sold. We said that we could possibly pay the account off in full, but we couldn't do it a they store they said. We can't afford to pay them off, at this time. Our complaint is that we never received any communication from Citi or Best Buy, that we missed a payment in XX/XX/XXXXor XXXX, and that were in danger of having the account charged off. The account was last payed on XX/XX/XXXX, when we entered a payment program with Best Buy on the phone, and the payment was to be XXXX a month with no interest. We never received any communication that the account was late or in danger of going into a charge off state. They never contacted us by phone, or a written letter.

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 2018-02-23 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
In the spring of 2016 I joined a gym called XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. In XXXX timeframe I made several attempts to contact the owner by phone and at the gym. I needed to cancel my membership due to the loss of my husband from XXXX and the fact I was moving back to Missouri. The contract said they needed a 30 day notice and I was giving them 60 days notice. I could not under any circumstances catch up with the owner by phone or at the gym. He would NEVER return my calls. So, in XX/XX/XXXX I put my gym key and a note in an envelope and left it at the gym on his desk. On XX/XX/XXXX I moved 455 miles away from XXXX XXXX XXXX  to XXXX XXXX. I assumed he had cancelled my membership. The end of XX/XX/ I was charged once again on my credit card for the membership fee. I called my Credit Card company, XXXX to dispute the charges. I told Barkleycardus do NOT pay any charges to this business. My membership was cancelled and by key was returned. A few days later the owner, whom I still do not know his name, called me and proceeded to cuss me out, threaten me, and told me he was suing me. I called my attorney who said he had no grounds for anything. I told my credit card company to not pay any charges to this business and thought it was taken care of. I have since found out that even though this man knew I was 455 miles away he continued to bill my credit card company and they continued to pay him to the tune of over 500 dollars plus 9.5 % interest. Now my credit card company wants me to pay them even though this gym committed fraud and basically stole from me. I filed a complaint with the XXXX  of XXXX and he started emailing me. Nasty as usual and then tells me he has suspended my account. I had to cancel my credit card so he could not make any further charges on this card. Also, when I signed up for this service his son made the remark that I wouldn't believe how many people sign up and never use the service and they just collect the money. This man is running a scam. He is a thief and he knew in XX/XX/XXXX I was in XXXX  and he knew I had cancelled my membership but he continually charged my card. My problem was not going over my statement. I always had a balance so I never picked up on the XXXX bucks a month he was hitting me for. Some months he even charged me XXXX dollars. I was furious with my credit card company for paying when I told them not to and for him just bluntly committing fraud. XXXX KNEW they were suppose to stop any and all payments submitted by XXXX XXXX XXXX XXXX XXXX. However, they continued to pay his charges knowing the membership was cancelled and knowing I was living in another state.

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 2018-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
Dear Sir/Madame : I'm writing to request that you look into the operations at US Bank. US Bank is the mortgage servicer on a home I own. Please review the following : 1. I believe, based on several personal experiences, that the bank 's processing center is intentionally holding over-payments ( payments with additional principal ) to artificially inflate the interest earnings of the company. 

This month, I sent a check on XX/XX/XXXX, including a {$1000.00} check from my XXXX XXXX  account as well as an endorsed check for {$2300.00}. On XX/XX/XXXX, I called to begin an inquiry into my lost checks, as the XXXX check had not been cashed. I called again on XX/XX/XXXX to follow up on my XX/XX/XXXX call, since I hadn't received information from the bank on the whereabouts of this mortgage payment. Still, the bank had no answer. I requested that a supervisor return my call with more information, but the bank stated they couldn't call guarantee a call in less than 48hours. During my conversation with the supervisor, I was restrained and extremely angry at the Bank 's inability to a ) find my money, b ) follow up with my request to find this money c ) inability to escalate this issue to sufficiently address my issues. 

As of XX/XX/XXXX, I noticed that my XXXX check had cleared. I called the Bank to find out why they hadn't let me know about the receipt of said money ( which had been allegedly ( per the date stamp on the cleared check of XX/XX/ ) on the day of the call. 

I am concerned that the bank is intentionally withholding overpayments. I also believe that the bank 's communication system is woefully inadequate. 

Finally, since this is not the first time that the bank has held checks for extraordinary periods of time, I am concerned about the application of principal. I have requested the math from the bank to ensure that the bank is not acting inappropriately, but I believe thay they are ... the last time that the bank had problems depositing my money, the bank claimed that the receipt date of mortgage payments does not have a material impact on principal and interest. This doesn't accord with how principal and interest works in my own financial analysis, and I am suspect.

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 2018-02-23 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
Bayview Loan Servicing , LLC has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as  well! This purported debt was rescinded and closed out by XXXX  XXXX XXXX a/k/a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Kabompo Holdings, Ltd.
State: CA

Complaint narrative:
Please see the attached complaint made to the NY XXXX  regarding XXXX. After several months delay the issues remain and instead believe this cases handling used to compel XXXX XXXX amidst efforts by those to take advantage of XXXX XXXX   system in takeover attempt of commercial projects. The timing appears connected to a block chain and due to ediscovery innovations linked to my accounts not sure if there are overlapping ip issues beyond the original issues complained about. Not satisfied with the NY XXXX  handling. Shortly after they issued the NY XXXX  issued a message on Virtual Currency 's that was general on fraud and manipulation of virtual currency. Some of the issues extend to blockchain and smart contracts also which XXXX encompasses. However the specific handling of my own matters not appropriate. Please see attachments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Lock Card function feature do not work as they advertise on their website : " No one can use a card while it is locked, including you. You can turn it back on anytime- When you lock your card, it will instantly prevent new charges on this card. 
All of these charges will be declined : In-store, Online, In-app & Phone Purchases. 
Any cards with the same card number will also be locked '' I made booking reservation with XXXX XXXX XXXX on my trip to XXXX XXXX. When I arrive in XXXX XXXX on XX/XX/, the taxi took me to the wrong XXXX XXXX XXXX. I had a dispute with them. They insisted on charge me one night for no show ( {$110.00} ). So I made an oversea call back to Capital one credit card to lock up my card so that the disputed charge could not go through. When I came back to USA on XXXX, I checked my account website and credit card was still locked. So I locked it up again. 
A couple days later, to my surprise, the disputed charge of {$110.00} went through and charged my credit card. I immediately called the credit card company to complain about this unlocked charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
said that I owe about XXXX but they will resolve my debt for XXXX  I asked for a letter stating our agreement before I pay and they said that is not possible I have to take her word and all calls are recorded and she can not send out emails there is one person that sends out emails and that s after you have paid I will not pay a single XXXX until I have it in writing that I owe this money and where it is going to

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
The debt of XXXX was satisfied on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX was removed from my XXXX XXXX account for fraudulently reporting. This was included in my bankruptcy in 2013. This should be removed from XXXX AND XXXX as well. 

The file attached shows XXXX XXXX removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: ID

Complaint narrative:
An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB MANAGEMENT SERVICES for the last 2 yrs has tried to collect on a debt that has been written off and should nolonger be on my credit report. The original debt was a car loan through XXXX XXXX XXXX. This was written off in XX/XX/XXXXand and should have been removed from my credit report in XX/XX/XXXX. At that time NCB purchased the account, listed it as a open account and says that there is a balance of {$4800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as well! This purported debt was rescinded and closed out by XXXX XXXX XXXX a/k/a 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 2018-02-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as well! This purported debt was rescinded and closed out by XXXX  XXXX XXXX a/k/a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: CT

Complaint narrative:
I disputed a collections account from XXXX XXXX with Transunion on XX/XX/2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.

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 2018-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services
State: DC

Complaint narrative:
Mercedes Benz sold me a vehicle XXXX. The car did not last according to the contract. Mercedes did everything in its power for me not to own the car outright. I paid or financed XXXX for the car, I was down to XXXX owed for the car, before it was repossessed. XXXX tried to collect XXXX for the car after repossession ; in which, I do not have and filed on my credit report. I paid Mercedes cash. MercedeXXXX failed to ensure motor vehicle safety and provide passenger motor vehicle information from all information systems, including about prior owners and incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
repeat calls after I have asked not to call me anymore and asked not to call me during my work hours XXXX call log : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2018-02-23 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: KY

Complaint narrative:
{$9000.00} wire transfer sent on XX/XX/ and confirmed on XX/XX/ has never been credited to my account. This has been going on 13 days with no contact from Coinbase support. I was able to contact the bank and they initially told me no funds were received under my name. After providing further documentation they were able to find the funds under the Name of XXXX XXXX ( my bank ). I was told that the funds will not be able to be credited to my Coinbase account and that they will EVENTUALLY be returned to me. I am required to send an email to their compliance department. The email was sent immediately on XX/XX/ and was later returned undeliverable due to the address not being able to receive email. I have yet to receive my funds returned to my account. {$9000.00} tied up for 13 business with no end in sight. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I applied for a loan to consolidate my bills related to medical and legal expenses using the equity in my property. I was denied. Chase stated that my credit score was below there 675 requirement. I was told that I could reapply once score had reached 675 or better. I confirmed that my score was lowered because of the debt I had incurred. I have a current mortgage related to this request and have been in good standing. I asked for detailed information as to why I was rejected. I was only referred to submit concern with your agency.

Company response to consumer: Closed with explanation