vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On  XXXX   XXXX , I clicked a link in an email for security purposes and received the following reply from coinbase : " We have received your request to disable signin to your account.   XXXX  At this time we have signed out all sessions for your account, disabled any new signins, revoked API access, and cancelled any recurring payments that were configured.   XXXX  If you have an existing support case open, our agents will get back to you as soon as possible. " It has now bee n 2 weeks a nd I have been trying to reach this company to re-enable access to my account without any type of success. My account holds over {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX my Chase Freedom credit card customer service claimed they regularly review account and credit information for all of their customers. Based on their review, they decided to substantially reduce my credit line from {$10000.00} to {$3300.00}. Chase claimed their decision was based on delinquency reported within the last 48 months, balance owed on revolving accounts too high, and account in collections in the last 48 months. They also said XXXX was their source and that my credit score was XXXX. First off, I obtained my Chase credit card on XX/XX/XXXX by a " pre-approval '' offer sent by Chase so that trumps their argument of delinquency reported within the last 48 months. Secondly, my revolving credit card balances they claim are too high is below 30 % on most of my credit card accounts. I always pay my bills on time. As of XX/XX/XXXX my XXXX credit score was XXXX. I believe this is a criminal and unlawful attempt to derail my credit worthiness. This decision came without notice, and has now demolished my credit ratios, and is adversely affecting my credit scores. Chase customer service has been very unhelpful. Chase has broken their fiduciary responsibility to  their customers private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I fill out the application for credit card and was denied because I have good credit. Sun, XXXX XXXX 2017,  american express denied me for credit card and place an hard inquiry to my credit report which lower my chances to reapply and get approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
I sent a letter to XXXX in XX/XX/XXXX so they could verify what company sent me to their collects and they sent me documents from a hospital but I never had a contract with Aargon so I 'm not sure how they were able to send me documents.

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 2017-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent  XXXX ,   XXXX   and Equifax each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17 Mailed Address, Name, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX  Delete all other irrelevant information per my letter and only report the current updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent TransUnion,   XXXX   and  XXXX  each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17 Mailed Address, Name, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX  Delete all other irrelevant information per my letter and only report the current updated information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent  XXXX , Experian and  XXXX  each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17  Mailed Address, Nam e, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX  Delete all other irrelevant information per my letter and only report the current updated information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent  XXXX ,  XXXX  and Equifax each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17  Mailed Address, Nam e, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX    XXXX 17  mailed another letter to  XXXX  and  XXXX  for all personal info to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent TransUnion,   XXXX   and  XXXX  each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17  Mailed Address, Name , Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX    XXXX 17  mailed another letter to transunion and  XXXX  for all personal info to be updated.

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 2017-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent XXXX, Experian and XXXX each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted. XX/XX/XXXX Mailed Address, Name, Work, Phone Number Information update. As of Mid XX/XX/XXXX, only partial information was updated but old information was still being reported. <P/>XX/XX/XXXX mailed another letter to XXXX and experian for all personal info to be updated.

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 2017-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: RI

Complaint narrative:
Since XX/XX/XXXX, I have been trying to get approved for a Short-Sale. On XX/XX/XXXX of the same year the loan was transferred from XXXX to PennyMac. I had to submit all the necessary paperwork and on XX/XX/XXXX, PennyMac approved TPP Agreement with a monthly payment of {$1100.00} interest rate 4.65 %, I declined the offer as I could not afford the payment. I was approved for a modification in XX/XX/XXXX w/ a monthly payment of {$1800.00} and unfortunately, I defaulted and came to a conclusion that I can not afford my property. I tried to explain numerous times to XXXX XXXX, supervisors, management, and they all felt very strongly about the decision. On XX/XX/XXXX, I requested a copy of my Promissory Note and all endorsement and again made the same request on XX/XX/XXXX as they keep ignoring my request. I am facing a foreclosure on XX/XX/XXXX. The foreclosure Notice from XXXX XXXX XXXX did not indicate that the loan is an FHA with a Case # and also failed to include in the letter form XXXX and all the required forms, and also stating that the firm is representing XXXX XXXX XXXX as a holder of the mortgage. The loan was originated with XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX being solely the Nominee for the lender ; by chain of title XXXX  XXXX XXXX does not have ownership of the loan XXXX continues to be the Nominee for XXXX XXXX XXXX XXXX. The assignment of mortgage dated XX/XX/XXXX was incorrectly prepared by XXXX. It is The present Services ( PennyMac ) responsibility to enforce to enforce ownership of the mortgage and the note on behalf of the note holder. On XX/XX/XXXX, I received a letter from the same Foreclosure Attorney stating that his office was retained by PennyMac Loan Service, LLC. Attached are all the documents to justify and prove my complaint and also asking for help as PennyMac is in violation of amendments to DODD-Frank Wall Street Reform and Consumer Protection. I hope this matter will be resolved and justice will be made to stop all the abuse that I have been going through. I strongly feel that PennyMac violated my Home Owners Bill of Rights, not treating me fairly and ignoring all my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Letters regarding inquiries found on my credit were submitted  XXXX  to  XXXX , and Equifax.  XXXX  refused to remove any of the inquiries and an second letter was send  XXXX  and another  XXXX . I never received a response from Equifax nor an update. A second letter was sent on  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Letters regarding inquiries found on my credit were submitted  XXXX  to TransUnion, and  XXXX . Transunion refused to remove any of the inquiries and an second letter was send  XXXX  and another  XXXX . I never received a response from   XXXX   nor an update. A second letter was sent on  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Letters regarding inquiries found on my credit were submitted  XXXX  on  XXXX , and Equifax on  XXXX .  XXXX  refused to remove any of the inquiries and an second letter was send  XXXX . I never received a response from Equifax nor an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I was recently denied a credit card from XXXX. When I received my letter in the mail regarding the reason for denial, it said that they received my consumer report from a company named SageStream , LLC and that my score was in the XXXX 's. My score is in the high XXXX 's, and I have never heard of this credit bureau. They stated the only way to receive a copy of my report was to send in copies of my personal documents. Even though I was hesitant ( I 've never heard of them and felt uncomfortable sending my personal documents in via fax ), I did it anyway to see what was being reported about me. <P/>I sent that information in on X/XX/17 and it is now X/X/17 and I have received nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
In XX/XX/XXXX I consolidated all my student loans with the Department of Education including loans with XXXX  XXXX/XXXX XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX stating that, " Your obligation to repay the loan ( s ) satisfied. '' It further states, " Any inquires concerning consolidation loan ( s ) should be directed to the US Department of Education. '' Nine month later in XX/XX/XXXX, I started to receive bills again from XXXX XXXX. I have spent the last 10 trying to figure out what has happened. My account bounces from collection agency to collection agency and I try to explain what has happened and show them the paper work saying my loans were consolidated. They either ignore the evidence or they disappear and a few months later I get another letter from a different collection agency. I have filled out appeal after appeal and they have all been ignored. My tax return has been taken for approximately the last eight years. Again, I file appeals and they get ignored. Recently, I received two different letters from two different collection agencies dated XX/XX/XXXX and XX/XX/XXXX, both trying to collect this loan. Even if I did owe the money, at this point, I would n't even know who to deal with when multiple companies are trying to collect. I am a single mother and a XXXX. My income is very low and I ca n't afford to hire a lawyer and do n't know where to go to file a complaint or get answers. All the collection agencies that I have dealt with do n't care about what I have to say regarding any consolidation. They just know what they got from XXXX XXXX/XXXX XXXX and just want to collect. If I try to contact XXXX XXXX/XXXX XXXX they wo n't talk to me about it. They always refer me to the collection agencies. I am at loss as to what to do. I still have my loan with the Department of Education and it is currently in good standing and in a forbearance. I do n't know who to turn to and I 'm tired of being threatened with wage garnishments. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK
State: CO

Complaint narrative:
I 'm only aware that my TCF Bank account is " Closed '' because I stumbled across it online and pursued further explanation. <P/>I spoke to customer service and confirmed my savings balance. I was also told that my account was " Closed '' at this time because without a transaction in 12 months, an account with TCF is " dormant ''  and a transaction can not be completed online. Further, I was told that an account is deemed un-owned and the funds seized to the state at 24 months without a transaction. <P/>This account was sold to me as ideal for my goal : saving for emergencies, along with earning monthly interest. Thus, the goal = no transactions. <P/>So in addition to this not being disclosed upon opening the account nor outlined in policies, I have received not one notification about my account 's " Closed '' status - and the potential risk. I receive monthly hard-copy statements at my home address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Letters regarding inquiries found on my credit were submitted TransUnion on  XXXX , and   XXXX   on  XXXX . Transunion refused to remove any of the inquiries and an second letter was send  XXXX . I never received a response from  XXXX  nor an update.

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 2017-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Bank : M & T Bank This year I have been a victim of fraud charges twice. The first time on XX/XX/XXXX of this year and then on XX/XX/XXXX of this year. In a amount totaling {$5000.00}. Both times it happened in XXXX XXXX. I reported the issue to the police departments and froze my checking account. In the weeks following I worked with XXXX police departments and we got pictures of the suspects. I thought this would resolve my issue but M & T refuses to reimburse me my money. The reason they will not reimburse me is in both cases my pin number was used. I have provided a reason how my pin was retrieved. In both cases my debit card was stolen in the same place which I find odd. I have been a customer of M & T for over 6 years and this is how they treat me.

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 2017-07-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is  XXXX   XXXX   XXXX , I am a  XXXX  patient. I am concern for the outcome of the modification that  Chase  is giving me. I have been struggling making payment where {$390.00} is hard for me to make, as well as the increased amount of {$400.00} later on. That  ; s w hy I could not keep up with the payment. Now I am getting the amount of {$430.00}.  XXXX  as the payment per month after modification is booked. I am seeing something wrong with this picture. I would like  Chase to discuss this with the loss mitigation manager department to see if they could extend out the term with the lowest interest rate so my payment can be lower tha n before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a soft inquire from  XXXX   XXXX . I never had no dealing with   XXXX   XXXX  . Please remove this from my inquires. Hard inquiry from  XXXX . I never had no dealings with  XXXX . Please remove.  XXXX   XXXX   XXXX   XXXX   has been close d ( Paid and closed )  and should be removed from my report.  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   (  CLOSED ).  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: NC

Complaint narrative:
I have a soft inquire from  XXXX   XXXX . I never had no dealing with   XXXX   XXXX  . Please remove this from my inquires. Hard inquiry from  XXXX . I never had no dealings with  XXXX . Please remove.  XXXX   XXXX    XXXX   has been closed  ( Paid and closed ) and should be removed fr om my report.  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED ).  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( CLOSED )

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