vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: VA

Complaint narrative:
Starting XX/XX/2017 I switched my monthly payment date to the XXXX of each month and I began to make extra payments towards the loan with the highest interest rate. I do automatic monthly payments since its easier and I supposedly get a discount on interest rates. I have 5 total loans with Discover. Every month since XX/XX/2017 the company has failed to distribute my money appropriately amongst each loan for my monthly payments. They also failed to put my extra payments towards the loan with the highest rate. Instead they would distribute it among the 4 loans and nothing towards the highest interest rate loan. There would be months at a time where none of my monthly payments would be going to a certain loan so I would get behind on that loan and then owe a ton of interest on it two months later. I have tried for the past three months to get this fixed and the first time they attempted to fix it it was not done correctly so I emailed them an example of exactly how I wanted my money distributed. A month later they sent me a letter saying they couldnt do it. I have tried calling them numerous times and emailing them numerous times for the past several months and have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/18 I applied for a bank account at XXXX XXXX XXXX XXXX and they advised they do an inquiry on Experian to determine services you are eligible for. They told me my Experian was XXXX. I assumed it was accurate but it seemed really low as I have been trying to get my act together with credit scores. 

On XX/XX/XXXX, I applied for an auto loan and we did not receive the best rate as XXXX advised my Experian rating was still XXXX. 

It was at that time that I realized I had never looked at the info Experian had, just XXXX  and XXXX. 

on XX/XX/18 1- I pulled an Experian credit and it shows General FICO at XXXX with lowest Fico option at XXXX. 
2- I called the XXXX XXXX XXXX loan office and confirmed they use Experian but could not explain why there was a difference. 
3- I called Experian and they advised XXXX is incorrect and I should give them a printed copy of my report and invite them to contact Experian to discuss. 
4- I went to XXXX XXXX XXXX XXXX location at XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX, and spoke with XXXX XXXX , Consumer Loan Originator. Mr XXXX advised me that my Experian report was wrong and XXXX was correct. I requested he contact Experian, he declined. I requested he give me a copy of the report they have showing XXXX and he declined. 
NOTE : I have received a loan offer that could be better if the FICO score was accurate. 
NOTE : I am learning a great deal about credit and one thing I have learned is that it is not a magical guessing game. The bank should be transparent and the consumer should be able to get transparent and real information. If it differs from their understanding, the bank should be able to explain how they arrived at a different FICO score so the consumer can act accordingly. I do no t feel that has happened here. 
Isnt it my right, as a consumer, to get evidence of the FICO they are using so I understand it in future loan requests? Shouldnt the bank be able to explain to the consumer what is driving the difference, so they can fix 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 explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
Contacted Diversified Consultants on ( XXXX {$1200.00} and XXXX {$480.00} ) and advised that i never had an account at the address services was rendered at and i would like to have it removed and i reported to the credit bureuas that i the address is not mine. I have lived with my mom for over 25 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 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: KY

Complaint narrative:
I requested copies of my credit report from transunion & XXXX XX/XX/XXXX that had many inaccurateies. I called them transuinion to dispute 2 visible items XXXX XXXX ( XXXX ) {$320.00} from XXXX. I was told contact debt collectors and agencies linked to origins of account. I did and was treated very terrible and was given no information from them to verify facts. I called transunion back to update the conversations and to exercise my fair credit reporting rights. They opened their own dispute again for the multiple time. As per the same with XXXX. This is a money making business they want us to struggle and force us to higher 3 rd party law/credit building or repair instututions. I'm XXXX! I can't afford this hassle I filed with the ftc fraud alert as suggested by them and now they say send all this other requested documentations. I'm confused where and when do the rights of a United States citizen go into effect? I have been ask series of authentication questions via the web and no pertain to me. When answered correctly access is denied. Credit monitoring done out side of the United States. Does GDPR apply here? How do I know that the generated questions are nothing more than a trap to suggest worse credit monitoring requirements? They set this up in hope anyone willing to pay their 3rd party agencies to fix false information that has been applied to my credit report? They are not being honest however the little proof I have will not be admissible because they are not based inside the United States. They have lied to me over the phone. They have redirected me. They said things to make me feel like they cared and requested me services that i denied. I want this fixed per myself. XXXX- {$320.00} XXXX, XXXX {$2800.00} XXXX, are not my accounts i have done and ask all the appropriate questions. Results are unsatisfied. I'm asking for backup. My word in writing XXXX XX/XX/XXXX they are not my accounts. XXXX I assume opened them and i asked that they be removed because they are hurting me in my desired time to request emergency funding not available due to the inaccuracies. I read by law these companies can be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: Millco Management
State: AL

Complaint narrative:
I have accounts reporting on my credit report that does not belong to me. I would like a copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.I have not received a dunning letter giving me the right to dispute the debt.All negative marks found on my credit report need to be removed because i do not have any contracts with this company and they in violation of the FDCPA and the FCRA. I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.

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 2018-09-27 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: MD

Complaint narrative:
Transunion responded to a previous complaint claiming they were investigating again and allow up to 60 days for a response. I noticed both TransUnion and XXXX reporting the same account ( XXXX XXXX Bank, NA ) both agencies reported inaccurate information without proof taking the word of a 3rd party.

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 2018-09-27 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: MA

Complaint narrative:
I have attached 3 documents. 

One showing the amount XXXX charged me, {$82.00} TWO showing PROOF from my bank that total amont was paid on XX/XX/XXXX I called XXXX, they said they would put a temporary credit on my account for the amount while they researched it. 

I sent bank proof, they send a second notice saying that I owed two late payments and extra interest and fees on a debt I have proof was IN FULL on XX/XX/XXXX They have since contacted the credit agencies and my credit has been effected on a debt I do not owe as it was PAID IN FULL on XX/XX/XXXX 2019

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 2018-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I received a letter requesting further information for our account at PNC Bank giving me and my mother 7 days to respond. If we didn't they would close the account. We responded within 5 days of the receiving the letter by going to the bank on XX/XX/2018. We handed the letter to XXXX ( I think that's what her name was ). XXXX was on loan from the XXXX XXXX branch. She placed all information required in the computer. I gave her my social security number, telephone number and corrected my address. I do not live with my mother. ( I requested the bank manager,, but she was on vacation. ) I was issued a pin to sign up for online banking. Everything seemed fine until today, XX/XX/2018 when my son informed me the {$2000.00} check his grandmother sent him was returned NSF. My mother also sent a gift to my brother which I expect will also be returned NSF. Neither my mother or I closed the account. This was done by the bank. They are saying I never went in with my mother and wife to address the issue in the letter. We are requesting that PNC Bank pay any and all NSF charges due to this closure of the account by the bank. I also request that any fines that are applicable will be assessed against the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-27 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: EQUIFAX, INC.
State: DC

Complaint narrative:
On XX/XX/2018 and today XX/XX/2018 I attempted to sign up to freeze credit report on the Equifax website -- under the new law that states credit file freeze is free as XX/XX/XXXX, XXXX. Each time I attempted to complete the form. I received various error messages : We are temporary unable to complete this request. 
We will send you an email varification to complete the request. 
Oops this looks like it taking longer than expected I tried completing the application online a dozen times yesterday and four times this morning. I finally gave up and called the toll-free number XXXX. XXXX the gentleman who answered the phone said he would take my information and do it over the phone.I had a difficult time understanding him so I asked where he was located assuming Georgia. He said he's in the XXXX. As a rule I never give personal information XXXX XXXX etc over the telephone. I particularly do not want to provide this information considering the Recent Equifax data breach problems. 

XXXX  and XXXX  websites were very easy to use and I completed the forms to freeze my credit report in less than 5 minutes and received immediate confirmation that my security freeze was successfully added and a freeze is not in place. 
Please look into why Equifax is making it so difficult to complete a security. Thanks so very much

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase.com, in the words of a member of their support staff, " is designed for retail customers, and focuses on providing the easiest possible buying experience. '' Coinbase.com differs from Coinbase Pro, which, again in the words of that same member of their support staff, " targets more sophisticated traders, who we hope will bring volume to the exchange. '' Coinbase.com markets itself to retail customers who are often new to cryptocurrency trading. On their website they state that " Coinbase is the easiest and most trusted place to buy, sell, and manage your digital currency. '' However, when buying cryptocurrency on Coinbase.com, customers incur substantial fees. Granted, their fee policies and rates are disclosed, however what is NOT disclosed is that customers can trade on Coinbase Pro, an alternative platform owned by the same company, for 0 % fees for certain types of trades. As a new cryptocurrency investor, I was misled by Coinbase, advertising itself as the " easiest and most trusted place '' that I could use to begin investing in the space. Before incurring over {$450.00} of transaction fees, I was NOT notified that I could place my orders on Coinbase Pro for {$0.00} in fees for limit orders. It is unfair that the same trading options are not provided on Coinbase, which trading options retail investors could use to avoid incurring substantial fees. There is no significant level of sophistication required to understand the difference between a transaction that incurs fees and one that does not. As such, retail customers should be made aware of all options, through both Coinbase and Coinbase Pro, when signing up for a Coinbase account. Coinbase appears to be preying on the ignorance of new investors by steering them into a more expensive trading platform that does not add any value to the customer. Coinbase has rejected my request for a refund of these fees, so I wish to file this complaint in order to promote increased and more transparent disclosure policies so that other new investors are not similarly misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX I submitted a complaint stating my credit reports were in accurate. 
Wells Fargo had reported a first major delinquency on XX/XX/XXXX on my home mortgage to all four credit bureaus. Wells Fargo investigated and said there was no delinquency reported. I received a copy of all four credit  bureau investigations. Three of them had the errors corrected. XXXX  did not. XXXX  is still reporting a first major delinquency on XX/XX/XXXX. On XX/XX/XXXX I spoke with Wells Fargo explaining that XXXX  stills shoes the first major delinquency on XX/XX/XXXX. Wells Fargo again said they never reported it delinquent. XXXX says it can not change it because Wells Fargo denies reporting the major delinquency. I have attached the XXXX  Credit Report that was sent to me. The error I am disputing ins on the bottom of page 12.

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 2018-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Diversified Consultants. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX responded to a previous complaint claiming they were investigating again and allow up to 60 days for a response. I noticed both XXXX  and Equifax reporting the same account ( XXXX XXXX XXXX XXXX   ) both agencies reported inaccurate information without proof taking the word of a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: M&T BANK CORPORATION
State: NH

Complaint narrative:
Called in XX/XX/XXXX to get payoff of loan a guy told me i had ten days to mail in check to M & T Bank in XXXX XXXX XXXX. I did that and shows transaction date of XX/XX/18 payed the {$13000.00} which the guy told me. then on XX/XX/XXXX, got a bill saying that I owed {$160.00}. Called up again waited 20 minutes on hold and the woman that answered she said that they had no record of me asking to pay it off. I asked to talked to supervision and waited over ten minutes and a guy came on said his name was XXXX at XXXX what ever that means, he said that it wasn't called in for payoff so i would have to pay {$89.00}. I as why it was that cost when i owed over {$13000.00} the interested was only {$88.00}. But i sent a check that day to get rid of that bank. Monday XX/XX/XXXX i got a letter from XXXX XXXX i called the bank again and they couldn't explain what this letter meant and would would have XXXX call me if i gave my phone number. No calls so I called back again talked to a XXXX, she said she didn't know anybody by that name and couldn't help me. I told her i wanted to talk to a supervisor or someone that knows what going on. She put me on hold for over 10 minutes and that guy XXXX came on. Said that was a letter stating that they would begin the pay work ten days after the loan was payed in full but would not let me talk to this XXXX, and showed the extra money was payed XX/XX/XXXX and that they have up till ten working days to start this process and could take a while to do. So i wanted to make this know of this and asked how could there be {$89.00} interest on a loan that sent all the money in.

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 2018-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
In XX/XX/2018, my {$650.00} student loan payment was spread across the seven loans I hold with Navient in the following way : XXXX Direct Loan {$41.00} XXXX Direct Loan {$45.00} XXXX Direct Loan {$46.00} XXXX Direct Loan {$55.00} XXXX Direct Loan {$59.00} XXXX Direct Loan {$150.00} XXXX Direct Loan {$250.00} During the months of XXXX  and XXXX, my payment was distributed in this way : XXXX   Direct Loan {$0.00} XXXX  Direct Loan {$0.00} XXXX  Direct Loan {$0.00} XXXX Direct Loan {$0.00} XXXX   Direct Loan {$0.00} XXXX Direct Loan {$0.00} XXXX Direct Loan {$650.00} As of XX/XX/2018 I had accrued {$460.00} of unpaid interest. As per federal law, loan servicer companies are required to apply all payments in the following manner : first to outstanding fees, second to accrued interest, and finally to the principal balance. For the past two months Navient has been negligent in following this federal requirement. At no time did I request a change be made to how my payments are applied. It should be noted, though, that in XX/XX/XXXX I did do research about how to apply for income based repayment schedules with Navient 's loan repayment too. I am not sure that these are related, but wanted to disclose this activity in the event that it was misconstrued as a desire to change my payment allocations. I emailed the company about this situation and did a follow up phone call when my email was not answered correctly. When I called, the person on the phone told me initially that the payments had been disbursed appropriately. When I told her that this was not reflected on my end, she looked again and let me know that I was correct. She said that the reason these payments had gone solely towards loan 11 because I was ahead of schedule on payment and that the payments for XX/XX/XXXX and XX/XX/XXXX were over payments and that was why they were disbursed as such. I asked her why the payment application had changed and she could not give me a definitive answer on how the payment allocations had changed or why they had changed. She was able to change the allocations back to how they were before and gave me a date as to when my past payments would be reapplied properly ( XX/XX/2018 ). As I continued to ask about why the allocations were changed, I was disconnected from the person from Navient and my call was forwarded to a survey about my experience.I 'm not sure if this was accidental or on purpose. XX/XX/XXXX has come and gone and these payments have not been reapplied, and the record of those payment allocations have disappeared from my online account. I received only a message from Navient confirming the amount of money I still owe them.

Company response to consumer: Closed with explanation