vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Following addresses on my report are incorrect and should be updated to my current address. 

My current address is XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Any other addresses should be deleted and removed.

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 2017-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Access Financial LLC
State: MO

Complaint narrative:
I have been getting constant calls at my place of employment by this company which had resulted in disciplinary action from my boss. They continue to call my workplace after my boss asked them repeatedly to stop. They have threatened my boss and coworkers with legal action if they did not relay messages to me about a 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 2017-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a checking account with a {$200.00} promotional offer. The terms stated when applying online the 'code ' would be applied automatically. This was in XXXX, now in XXXX, they are asking me what the code is after stating that the bonus will be coming next statement for the past 3 months. 

1. At account opening, you must mention the promo code in the email sent to you. To receive the bonus : 1 ) Open a new BMO Harris Smart Money Account, BMO Harris Smart Advantage Account, or BMO Harris Premier Account between XXXX XXXX, XXXX and XXXX XXXX, XXXX in a BMO Harris branch, by calling XXXX, or by clicking open now above. Well automatically apply the {$200.00} bonus promo code when you apply online.

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 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Credit File : XX/XX/XXXX Confirmation Number # XXXX CFPB Complaint # XXXX XXXX XXXX XXXX XXXX is not showing on my credit report as stated by Equifax there was no reply back from Equifax since XX/XX/XXXX needing more time So what is XXXX XXXX XXXX XXXX saying on something not on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The Following addresses on my report are incorrect and should be updated to my current address. 

My current address is XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Any other addresses should be deleted and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Following addresses on my report are incorrect and should be updated to my current address. 

My current address is XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Any other addresses should be deleted and removed.

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 2017-12-21 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: Lending Club Corp
State: IL

Complaint narrative:
I made a monthly payment to Lending Club on a installment loan for the monthly installment amount of {$190.00}, within the 30 days, and the company reported me 30 days late for a late fee. I think the late fee is {$15.00}. I have made payments to this company for the last 27 months and have never missed a payment, even through some rough months. I was n't aware of being able to be reported 30 days late on a installment loan, as long as you paid the regular monthly payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are addresses on my report that should not be there. my Current Address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX All Other Addresses Should be Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have not gotten an up to date report showing information has been corrected by Equifax. Nor have I gotten a free credit score showing

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are addresses on my report that should not be there. my Current Address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX All Other Addresses Should be Removed

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 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are addresses on my report that should not be there. my Current Address is XXXX XXXX XXXX XXXX XXXX, Tx XXXX All Other Addresses Should be Removed

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 2017-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank : Claim XXXXI noticed my funds were low on Chase app and is when I seen a large withdrawal on XXXX/XXXX/XXXX for {$200.00} and {$100.00} on XXXX/XXXX/XXXX which is not mine. I called Chase bank on XXXX/XXXX/XXXX, submitted claim for those first two and hung up. Then I started backtracking and seen other smaller amounts and called Chase again and added those to the claim and is when the bank rep and I counted a total of 11 transactions between dates XXXX/XXXX/XXXX through XXXX/XXXX/XXXX for a total of {$1000.00} at the same exact ATM machine, and most took place between XXXX XXXX XXXX. At first it was small amounts so it was n't noticeable, so the last two larger withdrawals is when I took notice. I do n't withdraw cash from a Non ATM because of the steep bank fees. I was given credit for the full {$1000.00} on XXXX/XXXX/XXXX, but they reversed the credit on XXXX/XXXX/XXXX, the reason : because it was done at an ATM machine and my pin was used. I had no idea how this took place being that the my debit check chip card was on me at all times and I do n't give out my pin or write it on my card. I called Chase and was told I would have to prove where I was when transactions were taken out. I can not prove where I was at XXXX XXXX I filed a police report on XXXX/XXXX/XXXX, report # XXXX with Officer XXXX XXXX with the XXXX XXXX CA police dept. I also filled out an Identity Theft Victims Complaint and Affidavit and got it notarized and faxed to Chase on XXXX/XXXX/XXXX. I might also add that the Police Dept. is who explained to me what skimming was since I was unaware this was possible. Chase claims department kept giving me run around and would give me different dates to follow up on my claim since according to their claims rep, they were backed up. As of today, XXXX/XXXX/XXXX, they sent me an email denying my claim again, even after submitting all necessary documents for full investigation. I 've had the same bank account for over 20 years and I have never had anything like this happen. I am saddened and in shock that a bank that I pay fees to every month, does n't care about their clients even when its clear that these withdrawals were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX has a loan showing on my credit file that is wrong. It has late payments showing. 

XXXX/JP Morgan Chase Bank this account was in deferment the whole time. I see when I wrote in back in XX/XX/XXXX 2017 saying it was updated but nothing was change that 's why I 'm filing the CFPB because XXXX  has not done nothing on my credit report. There is no late payments when a student loan is in Deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XXXX XXXX and XXXX XXXX, XXXX I was mailed letters from XXXX XXXX describing a balance due. Upon inspecting the letter it was discovered that rather than my name in the letter window, my entire social security number was listed on both letters received. Upon opening the letters it was discovered that my entire social security number was listed on the document. I reached out to XXXX XXXX when the letters were opened on XXXX XXXX and spoke to the customer care supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Deposited a non insignificant amount of digital currency into the site, Coinbase.com. The transfer was from a trading account on a separate and unrelated site, XXXX. Coinbase received the transfer of bitcoins. I decided a few days later I no longer wanted to liquidate my position on coinbase so I attempted to transfer the coins back into a wallet I control ( as in owning the private keys and not on an exchange ). However, coinbase would not let me withdraw my coins and demanded further identification. Identification that I had on file should have been good enough since I had bought coins on coinbase before even back in XXXX. I attempted to submit identification anyway though coinbase and even though I followed the instructions carefully, it would reject my ID without given a reason code. After calling a customer support to help me withdraw my coins, he told me that I would have to submit even more documentation and that it would take 3-5 days. I asked him how could this happen and he abrubptly hung up the phone. His name was XXXX, and had me on hold for over 90 minutes at one point as well. Very unprofessional and at this current time, the situation is tantamount to theft. I leave my position open on bitcoins and I am supposed to wait 3 - 5 days AFTER submitting MORE documentation without even having purchased those coins on coinbase in the first place. It 's ridiculously negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
After three attempts to provide me with a bed mattress that worked for me, XXXX XXXX agreed to issue a full refund for the purchases to the lending agency they offered to me. 

I have been going around for several months between XXXXXXXX XXXX anXXXX XXXX  XXXX about an unresolved credit refund issue. 

XXXX XXXX says they issued it, XXXX XXXX says they never received it. 

I get nowhere with either company and can not find anyone who can help me get the two communicating to resolve the issue. 

I am receiving threatening letters from XXXX XXXX now about being turned over to a debt collection agency for a balance that XXXX XXXX says I do not owe. 

I have never had even a blemish on my credit history before dealing with these two companies and I want some resolution.

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 2017-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
my identity was stolen in XXXX 2017. Someone used my SSN, maiden name, married name and former address to open up at least 12 accounts. At that time i filed a police report ( attached ) and requested from many creditors that had my information submitted by fraudulent means to close all fraudulent accounts. Chase seems to have kept a line of credit AND a checking account open in what is supposed to be a " business name '' of XXXX XXXX XXXX. my official business is XXXX  XXXX XXXX. The overdraft line of credit ending in XXXX i just got notice has been closed. However -- -what concerns me is the fees or any outstanding balance on this account and any other accounts that might have been opened in my name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX ). i do not have ANY OPEN ACCOUNTS legitimate ones that i opened -- with CHASE - at this time. i want them to investigate and remove my name from any credit bureaus, as well as release me from any outstanding balances. i have attached a police report as well as letter i just received from chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accounts Management, Inc
State: SD

Complaint narrative:
XXXX XXXX XXXX XXXX office in XXXX XXXX SD, office of XXXX XXXXt has in the past sued me alone for my wife 's medical bills totalling $ 16,000+. They told me I would not win in the lawsuit so to just accept it and not even bother going to court. They garnished my wages for her debt, and even when the amount had before the lawsuit been disputed as the hospital had not billed the insurance company for treatment, they told me it was n't their fault and that it was MY bill to pay. Since then I have been garnished by them illegal amounts multiple times and while there is NO interest agreed to, they have added high interest to the judgment against South Dakota state law and have not noted on the most recent garnishment paperwork, illegally, that there has been several XXXX dollars paid to them. This company, Accounts Management Inc practices deceptive and illegal practices. These are mostly attributed to XXXX XXXX who uses the attorney 's rubber stamp signature while filing illegal paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has a loan showing on my credit file that is wrong. It has late payments showing. 

XXXXXXXX XXXX XXXX XXXX this account was in deferment the whole time. I see when I wrote in back in XXXX 2017 saying it was updated but nothing was change that 's why I 'm filing the CFPB because Experian has not done nothing on my credit report. There is no late payments when a student loan is in Deferment

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 2017-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: CA

Complaint narrative:
SinceXX/XX/XXXX I have been sending Frontline Asset Strategies {$50.00} per month to settle an old debt from XX/XX/XXXX. Each month I receive a statement saying, " Thank you for your recent payment of {$40.00} on ... '' No mention is made of the remaining {$10.00}. 

When I contacted FAS, I was told that there is a {$10.00} per month service fee, but no justification for falsely reporting the amount received was made. 

My complaint is this : ( 1 ) Each month they receive {$50.00} from me. I believe I should be receiving a receipt for {$50.00} regardless of how they allocate it. 

( 2 ) This company provides no service to me. I should not be paying them {$10.00} per month to collect {$40.00} per month. What they collect from me should be applied to the debt I owe. I should not have to pay the debt collector, to collect my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: VA

Complaint narrative:
Corelogic made 3 hard inquiries on my credit past 2 weeks. I did not recognize all those events nor gave permission to Corelogic.

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 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports with XXXX, equifax and XXXX show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXX credit card XXXX XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXXXXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3.XXXX XXXX credit card XXXX XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports with XXXX, XXXX and experian show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation