vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-19 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: ERC
State: PA

Complaint narrative:
XXXX XXXX XXXX reported a collection account to all 3 major credit bureaus. I disputed the item and XXXX and XXXX deleted the collection account from my report. XXXX provided me with their " investigation '' results almost immediately upon me filing my dispute and advised the item was " verified as reported '' and that the account in collection belongs to me. 
I am afraid to continue to dispute this item for fear that out of spite the collection agency will re-file their report of this account that is not mine to XXXX and XXXX and I will be back at square one. Can a collection agency do that? What are my rights to demand XXXX stop reporting a collection account that XXXX and XXXX  investigated and determined it is not mine and deleted it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent the attached information to Equifax, CMRRR via  USPS, as well as faxed 3 times, in support of my 605B block request. Equifax states they received it, but only 1 page and my social security card.

I asked how they could lose my information so many times. They advised that the mailroom scans and then shreds the papers. However, my information is not being delivered to Equifax fraud investigators, no matter how I send it. This is unacceptable. I have been fighting this fraud for over a year. Equifax will not provide an address to send items signature required, so I have no way to ensure my information is received. I have given plenty of chances for Equifax to address this with the methods provided.

I am also unable to submit this information online, as I am blocked from doing so on their website. I am unable to view my credit report even though I pay monthly for it. I am unable to purchase my report. I am unable to use the dispute system. This ca n't be legal.

I am attaching the documents I have been sending directly to this complaint. That way, the CFPB can deliver them. Maybe they wo n't shred my life away this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
A recent adjustment was made on my account and Bank of America removed {$.00} from my account that I had overpaid on my statement. Contacted customer service and was told a check was mailed to the address of record on XXXX XXXX, 2017.  Informed the representative that I had not received the check. He informed me he would do a stop payment on the check and they would reissue. Asked him to supply me with the check number and date of the check to prove to me that a check was issued. He said he could not provide me with that information. He nor his supervisor could not explain why Bank of America did the adjustment or where the funds went. This adjustment has happened to me in the past and I was told this was a system error and the problem was corrected. If the problem was corrected why did the adjustment happen again.?

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 2018-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Doctors appointment at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NC XXXX on XX/XX/XXXX. I paid in full for the services on XX/XX/XXXX. 

On XX/XX/XXXX I received a call from XXXX and I spoke with a woman from a collections agency who informed me that I owed money to XXXX ( from the XX/XX/XXXX appointment ) and I had n't paid it. 

I told her I had no knowledge of the bill and had not received any notifications ( by mail or via the phone ) from XXXX over the past year. She told me the address where the bills were sent. I informed her that I have not lived at that address for over five years. She told me she would send a new copy of the bill to my current address but there was n't anything else she could do. 

Since that phone call I have continually been berated with calls from various numbers similar to the one she called from. This has been inconvenient and unnecessary since I ca n't move forward with anything until I see the bill. 

On XX/XX/XXXX nearly a year after my appointment I received a piece of mail from XXXX XXXX XXXX XXXX notifying me that my XXXX account was sent to collections and my balance due is {$240.00}. I still do n't have a copy of the invoice or any communication from 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 2018-01-19 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: BTH Management
State: TX

Complaint narrative:
Talked to them and disputed with credit beareu several times.

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 2018-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am having an issue with being able to access till my banking information to release it to a third party they are not releasing my information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I was in the process of refinancing my house and the company doing ran a title and lien search upon receiving the report there were a number of liens one in particular is for XXXX XXXX XXXX from XXXX XXXX XXXX now she is not on the title, deed, or for that matter any mortgage loan papers now she is my wife and she can not find any paper work notices or otherwise on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Wire transfer of {$7000.00} to Coinbase was sent on XX/XX/XXXX. I have checked with their bank in NY and the money was in their account as of XX/XX/XXXX. The website currently states that wire transactions are up to date and may have a 2 - 3 day processing time. There are still no funds posted to my account. There is no way to talk to anyone about wire transfers. I have sent an inquiry and an escalation request, the first onXX/XX/XXXXXX/XX/XXXX and the last one on XX/XX/XXXX through their support portal. Still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: NCC Business Services, Inc.
State: TX

Complaint narrative:
Talked to them and disputed with credit beareu several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: AMCOL Systems, Inc.
State: TX

Complaint narrative:
Talked to them and disputed with credit beareu several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
THIS IS THE 3RD TIME XXXX XXXX IS CONTINUOUSLY ILLEGALLY RE-REPORTING DISCHARGED DEBT. HAVE DISPUTED WITH TRANSUNION NUMEROUS TIMES BEFORE THEY DELETE THE INFORMATION THEN IT KEEPS REAPPEARING LATER. XXXX XXXX IS DELIBERATELY ATTEMPTING TO COLLECT ILLEGALLY THEY HAVE BEEN NOTIFIED SEVERAL TIMES. THIS IS CAUSING ME GREAT DAMAGE AND I AM GOING TO START LEGAL ACTION AGAINST TRANSUNION AND XXXX XXXX IF A STOP IS NOT PUT TO THESE ILLEGAL COLLECTION ATTEMPTS

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 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, 2017, I mmade the following transaction : +XXXX LTC @ {$250.00} per LTC Reference code XXXX Payment Method XXXX - Interest Checking XXXX Fee {$4.00} Subtotal {$330.00} Total {$330.00} It was for the pruchase of Litecoins at a total price of {$330.00}. My XXXX checking account was charged {$330.00} two times. I am attaching a copy of my statement for your convenience. I filed a dispute with my bank. Upon resoltuion of the dispute, Coinbase, disbale my ability to trade in my account. I started a case # XXXX and have made 4 phone calls with zero resolution. Furthermore, Coinbase FROZE my account in a highly volatile market. They have restricted my ability to Buy/sell/withdraw my current assets which include XXXX Litcoins and XXXX ethereoms. It is unconscionable to freeze an account and restrict a customer 's right to sell his assets. XXXX firms who work with XXXX face simlar circumatances all the time. They will restrict buys, but NEVER sells. This was a bank error caused by coinbase. As of the time of this writing, the value of my coins is down approximately {$1500.00} due to this account freezing. I attempted to sell the coins yesterday at a profit of about {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NJ

Complaint narrative:
Re: Refund of Two Checks Causing Overdraft in my CHecking Account
XXXX
/
Sent


XXXX XXXX 
To: Selenefinance Customerservice
,
XXXX XXXX

XX/XX/XXXX at XXXX XXXX



On Wednesday, XX/XX/XXXX, XXXX XXXX  EST, XXXX XXXX  wrote:


XXXX XXXX XXXX XXXX XXXX, NJ XXXX 

XX/XX/XXXX



Selene Finance	XXXX XXXX XXXX



Re:	Error checking account $XXXX Overdraft today



I found you had taken over XXXX out of my checking today when I only authorized the usual $XXXX  payment. I am overdrawn $XXXX now and want o know why . Called phone and spoke to XXXX. Now will call XXXX XXXX XXXX.


Accidentally caused XXXX XXXX XXXX to send out three paper checks for mortgage this month and you cashed them. Thereby causing my checking to be $XXXX Over drafted as of today. They were for new amount effective XX/XX/XXXX of $XXXX, XXXX and the old amount of $XXXX.


I need the excess  checks to be refunded to me in $XXXX  and $XXXX. That will make my checking account back to normal and right. Called XXXX XXXX XXXX after finding $XXXX overdraft in checking. They said could not help me to call Selene.

Today I called Selene and spoke to XXXX on XXXX and he said he could not find those payments in my screen. Called XXXX in Arizona at XXXX  XXXX and she said I needed to get fixed with Selene. Second time called Selene and got XXXX. She listened and tried calm me and said she would check with supervisor on this. They will send up accounting request to fix this and get accounting back to rights.

They need me to send details in email.


XXXX XXXX XXXX


CC:    BBB, XXXX Complaint


Selene Finance LP 
ATTN: Customer Service Research XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX US

XXXX;


XXXX XXXX


XX/XX/XXXX XXXX XXXX customer support called and wanted to know if I had idea when the two check would be reversed. They are waiting on that to help me with overdraft fees and bouncing checks situation.


I havent heard back from you at Selene since I called and sent email a week ago on XX/XX/XXXX. Same day I sent the BBB complaint that XXXX also got. Can someone get back to me with an expected date for refund of the two checks I requested. Thank you.


XXXX XXXX  

XX/XX/XXXX XXXX 

XXXX will call back tomorrow and see if I find out when to expect the credit to be in my account. *I hope to have some definite answers for them by then. Still no reply from you as of today. XX/XX/XXXXXXXX.






Settings

XXXX XXXX XXXX




Give feedback

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: CA

Complaint narrative:
I HAVE BEEN FRAUDED BY COMPANIES WHO I NEVER DID BUSINESS WITH OR NEVER AUTHORIZED ANY OF THESE CHARGES THROUGH XXXX XXXX. I CALLED XXXX XXXX BUT THEY SAID THEY COULDNT HELP ME BECAUSE I DID MAKE THESE CHARGES AND THE COMPANIES GOT YOUR INFO FROM YOU. I LET HEM KNOW THAT IS UNTRUE AND I NEVER SPOKE TO ANY OF THESE COMPANIES AT ALL. I HAD TO END UP PAYING MY CREDIT CARD OFF AND NOW IT IS CLOSED AND THEY STILL HAVENT HELPED ME. I WILL LIST ALL THE CHARGES WITH DATES AND AMOUNTS SO YOU CAN SEE. I AM A ELDERLY WOMEN AND THESE COMPANIES STOLE FROM MY ACCOUNT. WHY WOULD XXXX XXXX NOT BACK ME AS A CLIENT AND GIVE ME THE AMOUNTS BACK OF WHAT WAS TAKEN FROM ME. THEY SPOKE TO ME LIKE I WAS STUPID   SAYING MEAN THINGS TO ME SCREAMING AND YELLING AT ME. PLEASE HELP ME GET MY MONEY BACK. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have had a Citi credit card for over 20 years and I was informed by them by letter that they are going to transfer my card to XXXX XXXX. I have the Citi XXXX XXXX XXXX XXXX card and they want to transfer it on XX/XX/XXXX to XXXX XXXX and turn it into the XXXX XXXX XXXX XXXX XXXX XXXX. I do not want this transfer to take place, I have not authorized it, and I already have a XXXX XXXX XXXX XXXX XXXX XXXX. I want to keep my Citi Visa card, even if it means having a different kind ( i.e., non-XXXX affiliated card ) with Citi. 

I called up XXXX, Hilton, and XXXX XXXX on XX/XX/XXXX and no one would help me and they all said there was nothing they could do. XXXX XXXX said they would not have access to my Citi details until XX/XX/XXXX and XXXX said I had to talk to the card issuers. 

I then contacted a supervisor at Citi on XX/XX/XXXX called XXXX ( Employee ID : XXXX ) who told me the transfer will go ahead and I ca n't stop it. XXXX told me that it could have been stopped if I had called in XX/XX/XXXX or XX/XX/XXXX but that they did not communicate this to any customer, and kept it secret, and all the literature sent to us only ever mentioned the end of XX/XX/XXXX for the transfer. In fact, Citi only sent an email alerting customers to this transfer on XX/XX/XXXX, which is two months after the XX/XX/XXXX deadline to transfer it. This is very deceptive. 

I complained to the Citi Cards CEO on XX/XX/XXXX by email to XXXXXXXXXXXX. I received a response on XX/XX/XXXX stating they would not help me. I am attaching the XX/XX/XXXX email from Citi and the letter from the Citi CEO. Additionally, the links to the FAQ about this transfer can be found at : http : XXXX and at : XXXX XXXX XXXXXX/XX/XXXX and at : https : //online.citi.com/XXXX XXXX I want this unauthorized transfer of my credit card stopped. And if they wo n't stop this I want compensation for all this distress and hassle it is causing me and I want the company fined for wrongly terminating my credit card and then giving me another one ( an XXXX XXXX card ) that I definitely do not want and did not authorize.

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 2018-01-19 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
After reviewing my credit report I noticed two inaccurate inquiries on there being reported by Tower Loan in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which Tower Loan did not respond back until after my third certified by mail letter. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on my credit reports. Regarding the following inquiries < Tower Loan from XX/XX/XXXX and XX/XX/XXXX > I have disputed these unauthorized inquires for several months with no help from Tower Loan. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I have NEVER applied for credit online or in the store with this company. I called and spoke with a supervisor who stated that these two inquiries were not authorized by me at all but they needed an update address for a bill. I DID NOT AUTHORIZE Tower Loan to pull my credit not once but twice they pulled it to find my address??? ABSOLUTELY NOT!! no reason to pull a HARD inquiry on my credit report without my authorization! Tower Loan's credit department also informed me that both inquiries will be dropping off my credit report in just a few months, they didn't see what the big deal was??? REALLY??? These people were RUDE and very inaccurate on their information that was given to me. I am demanding that both of these unauthorized inquiries be deleted from my credit file immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
On XX/XX/XXXXcalled into Vanderbilt to see why they refused to report my account is current and was current in XX/XX/XXXX and still the company has yet to report XX/XX/XXXX its making my credit score go down its unfair and they seem to not care and are very rude I also can provide recordings of the phone Call

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 2018-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I paid my mortgage payment (XXXX) in XX/XX/XXXX to XXXX. In XX/XX/XXXX, XXXX sold my loan to Bank of America. Bank of America stated that they did not have a record of me paying in XX/XX/XXXX so I doubled paid Bank of America in order to prevent any issues. I paid twice (see attachment) in XX/XX/XXXX, which included one payment for XX/XX/XXXX and an extra charge of XX/XX/XXXX as well. To resolve the issue, I called Bank of America and went in person multiple times. They told me to get my payment history and they would resolve everything. Thus, I obtained my payment history (see attachment) from XXXX that showed my XX/XX/XXXX payment (XXXX) being made. I also obtained my bank statement (see attachment) that showed my XX/XX/XXXX being made. Even though I provided evidence to Bank of America, they have not acknowledged that I paid or refunded my payment. I would like to receive a refund for over paying XXXX, since I doubled paid for XX/XX/XXXX. One payment was made for XX/XX/XXXX in XX/XX/XXXX. The other payment was made in XX/XX/XXXX was also for XX/XX/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 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My personal information was stolen. I froze my credit in XX/XX/XXXX. I unfroze my credit in XX/XX/XXXX. Experian is not releasing my credit. I sent them two letters separately, one for unfreezing my credit and another one for removing the security alert. They are saying that they did not receive my fraud alert envelop. Now my credit is not verifiable by XXXX and I ca n't write my prescription. I believe Experian has highjacked my credit. Can you help me to release it.

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 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: OH

Complaint narrative:
attempted to sign up for free score but was asked for a credit card which their commercial says they do not do.

Company response to consumer: Closed with explanation