vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received a notice from XXXX XXXX, the loan servicer, that my loan was past due. I had believed the loan was deferred. The notice I received stated that the loan was late, but not yet 30 days past due. 

I contacted an account representative and she gave me information on getting back into a deferment. I explained to her that I did not want any late mark on my credit report. She stated that it was too late to get a deferment for that month and I could apply for one for subsequent months, but needed to make a payment for that month. I agreed to do so, and before the 30 day window made a payment in the amount that she had told me was due. She had assured me that if payment was received before the 30 day window passed, it would not result in being marked as late to credit reporting agencies. 

Despite my making the payment, they have reported that account as late to credit reporting agencies, resulting in serious damage to my credit score.

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 2018-05-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I received a notice from XXXX XXXX, the loan servicer, that my loan was past due. I had believed the loan was deferred. The notice I received stated that the loan was late, but not yet 30 days past due. 

I contacted an account representative and she gave me information on getting back into a deferment. I explained to her that I did not want any late mark on my credit report. She stated that it was too late to get a deferment for that month and I could apply for one for subsequent months, but needed to make a payment for that month. I agreed to do so, and before the 30 day window made a payment in the amount that she had told me was due. She had assured me that if payment was received before the 30 day window passed, it would not result in being marked as late to credit reporting agencies. 

Despite my making the payment, they have reported that account as late to credit reporting agencies, resulting in serious damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I received a notice from XXXX XXXX, the loan servicer, that my loan was past due. I had believed the loan was deferred. The notice I received stated that the loan was late, but not yet 30 days past due. 

I contacted an account representative and she gave me information on getting back into a deferment. I explained to her that I did not want any late mark on my credit report. She stated that it was too late to get a deferment for that month and I could apply for one for subsequent months, but needed to make a payment for that month. I agreed to do so, and before the 30 day window made a payment in the amount that she had told me was due. She had assured me that if payment was received before the 30 day window passed, it would not result in being marked as late to credit reporting agencies. 

Despite my making the payment, they have reported that account as late to credit reporting agencies, resulting in serious damage to my credit score.

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 2018-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Profit Services Group
State: GA

Complaint narrative:
XX/XX/18 Received a call, the lady was extremely aggressive from the beginning of the call. I explained that I don't have the extra money now and I'd be happy to call them when I was able to pay something. She then started to have foul vulgar language so I disconnected the call. I have never been spoken to like that from anyone calling my phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I am trying to understand what is going on what the payments to this account. My account is set up for auto-debit. The amount to be debited was supposed to have been calculated by XXXX to include the accumulated interest between payments. I am reviewing the payments made relative to the accumulated interest, particularly for XX/XX/2017, and see that the interest amount kept accumulating despite the monthly payment amounts exceeding the monthly interest accumulation. I don't understand how this is possible, especially since I am now learning that this loan is re-amortized on a quarterly basis. My loan statements indicate the monthly payment was being entirely applied to interest, and yet the interest kept going up, in some cases by hundreds of dollars in-between months. 

I have previously asked for the terms of my loan agreement, specifically that part that addresses interest rate calculation, amortization, and other pertinent terms to the calculation and pay-off of my loan. My monthly loan payment was changing, and I did not understand why this way occurring. I even went through the CFPB in an attempt to obtain the relevant documents. CFPB closed out my case after XXXX responded, and did not provide me an opportunity to indicate whether the information provided addressed the issue. XXXX responded that the monthly payment changed due to changes in my interest rate. However, to date, I have only received a two-page promissory note, but nothing with the loan interest rate or calculation formula. I have requested this information so that I can review it. I do not have a problem with paying an owned debt ; however, I would like to know how the debt is determined so that I can make informed decisions as a consumer on how best to resolve the debt. This issue is only occurring on my CitizenBank student loan serviced by XXXX. Each time, both entities keep telling me I need to go through the other party for the requested information, resulting in me not being able to obtain the information from either. Attached is all of the information I have received from either party relating to the terms of my loan. The document DOES NOT address the loan terms, but simply defines ( incompletely as terms are clearly missing ) them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: VA

Complaint narrative:
I find the idea of banks dictating Government policy through their lending and commerce practices to be wrong. These are the same banking institutions that received Billions in Tax-payer bailouts due to their own negligence. 
The banks were rewarded for their efforts to destroy the economy, while consumers were punished. Now they want to control the firearms industry through policy changes, an area they have no jurisdiction.

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 2018-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
Several weeks ago, I tied to use my XXXX point toward to XXXX payment and it showed that XXXX point failed to pay. At that time, I have not noticed too much about it. However, today, I tried to transfer my XXXX point to an airline partner, it said my reward account is under review to grantee the purchase. I immediately called the customer services and they told me it would take 6-8weeks to finish reviewing ; however, 6-8 weeks starts from TODAY! I know this action to ensure the user where they do not abuse the reward and I can understand it. BUT, why it 6-8weeks starts from TODAY? It means it will always be frozen my account to the day that I call the customer representatives? Because when I can not use XXXX point toward to XXXX, I think my account has already be frozen in several weeks ago and I successfully used it in the last year. On the other hand, I have a really good relationship with your company, I always select your company credits as the first choice and pay the balance on time. At the same time, your company give reward points to me as bouns ; However, when I really need to use point in the time ; and you told me I could not use it and I have to wait? And I have to wait in a long long time! I mean I can wait, but my flight ticket can not wait! The reason that I select your company is that it can provide convenience services. However, this action really is disappointed me. I saved XXXX points for almost one year in order to redeem flight ticket for a vocation and then I find what I saved is nothing because I can not use it! Also, I asked what reason about why my account was frozen, they can not tell me the reason. I think that your company at least can give user right to use the point that grantee meeting the requirement and pending the points that your company is doubt. But why frozen all account? Even the point that is insane can not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have an American Express Platinum Card. 

On XX/XX/XXXX I wrote a convenience check ( balance transfer check ) from my XXXX Visa card for the amount of {$3400.00} and mailed it to American Express. On XX/XX/XXXX XXXX posted the payment, and listed that American Express had cashed the check. 

American Express have refused to credit the amount to my American Express credit card. For over 6 months they have disputed and delayed, refusing to admit they received the check. Via XXXX, I have supplied them with all the information I can ; copies of my statements, copies of the check itself ; all information pointing to the obvious that American Express received the check but misdirected the funds, lost them somewhere. 

Meanwhile, I am being charged by both American Express and XXXX for money that has been lost by them. 

I have spent hours making calls and explaining the situation over and over again. I have been on numerous calls with both banks, even conference calls with both banks at the same time. XXXX assures me that American Express took my money. American Express keep asking me to ask XXXX for more information. XXXX tell me they have given me all the information they have. Meanwhile, I am caught in the middle. 

At this point I should file a police report, as the only explanation is that American Express has stolen my money. 

I don't know how else to resolve this, I need some urgent help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX I CONTINUED TO RECEIVED REPEATEDLY ROBO RECORDED MESSAGES ALL THROGH OUT THE DAY XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ) ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX XXXX XXXX  ) ( XXXX ) RECORDED MESSAGE XXXX ( XXXX XXXX XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XXXX ) RECORDED MESSAGE XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) RECORDED MESSAGE THESE ARE ALL ROBO CALLS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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:
i had disputed some personal information a few weeks later they granted and reassured me that the information would be deleted week after that the information was still on my report and they told me that when they do an investigation on fraudulent accounts they do not inquire or request additional documentation or information so there for i believe that to be hearsay information received from other people that one can not adequately substantiate other words a rumor discrediting degrading defamation of my character

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had an inquiry for a Kohl 's Charge card, which I never did on XX/XX/2018. I have never even been into a Kohl 's store. I reached out to Kohl 's customer service when I noticed it on my credit, who told me that it would be removed from my credit inquires in a month. Three months later, it is still on my credit. Every time I call back, I'm given the " run around '' and transferred to multiple extensions who don't answer. At one time, a rep. gave me the number where I was being transfer if I got no answer or was disconnected. When I called the number back, it was for XXXX. It's very frustrating what I've gone through to have this removed, when it wasn't even something that I applied for in the first place. I would like this Kohl 's Charge Card Inquiry removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 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: PA

Complaint narrative:
XX/XX/XXXX my car was in an accident and the car was totaled out on XX/XX/XXXX and the leasing company XXXX XXXX was paid XX/XX/XXXX. The company Is stilling reporting the account open and said they are not closing the account because {$500.00} deductible for the insurance. The company is not reporting accurate info on my credit report

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 2018-05-02 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: FL

Complaint narrative:
The Fair Credit Reporting Act is the federal law that spells, among other things, out how long negative information can remain on your credit report. I have contacted Equifax on several occasions advising them that this company XXXX XXXX XXXX is a fraud company that's trying to collect debt on old stuff. I did tell them the company is stating I took a loan out online but there is no solid proof that, that's me. There are statute of limitation a debt collect can report something on your credit and for Florida they have four year. This so called debt they say I owe is over 6 years ago. And I never received a any statements in regards to this issue. Also the representative with Equifax does not understand English and that bother me no one is helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
On XX/XX/2018 coinbase locked my account out. Its now been 5 days and I have contacted them numerous times just to be given the run around. I have {$1600.00} i sent over to send to my bank and they decided to lock my account out to where i cant even send the bitcoins back to my original wallet. Please help as coinbase has scammed me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP, LLC
State: GA

Complaint narrative:
On Monday XX/XX/18 I ( XXXX XXXX ) tried to withdraw {$100.00} from XXXX in XXXX XXXX, Florida and after three attempts from the ATM, it did not disperse and money, but yet showed that the transaction was completed. I went inside the bank to inform the tell, and she said that there was nothing they could do except contact the card company. 
So I called the card company ( Global cash card ) and they said that the only thing I could do was to file a claim, which would take up to three weeks. I explained to XXXX at Global cash company that I was in XXXX XXXX on business and I would only be there for a few days and the {$100.00} was for food, but it did seem to matter. 

XXXX XXXX manager name is XXXX, his ph # XXXX XXXX XXXX Global Cash Card ph. # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Last year ( 2017 ) in XX/XX/XXXX I contacted Coinbase to regain access to my account, I emailed them and they told me steps to recover the account. Their website wasn't working correctly and I wasn't able to gain access. I emailed them back and forth 12 times in a long email chain where they said I would need to create a new account and that they would transfer my funds to that new account ( which is utterly outrageous and amateurish ). I created a new account just like they asked and emailed them the information and got NOTHING back. They haven't even acknowledged my existence since XX/XX/XXXX. It's disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: NJ

Complaint narrative:
The following accounts still appears on my Experian credit report, although they were supposed to be removed last month ( XX/XX/XXXX ) You have 27 Inquiries Inquirer Name Inquiry Date Removal Date Business Type Contact Information XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( 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 2018-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I went into this branch on XX/XX/XXXX to make a withdraw ( {$5000.00} ) from my account from funds that were in my available balance and was completely insulted by the teller XXXX XXXX and the staff that was working with her that evening. To start I was harassed and interrogated about what I was doing with the funds to start with ( and it wasn't even a large withdraw ) then in the middle of making the withdraw and asking how he would like the cash back she told me " never mind I cant do this today because the funds haven't cleared the other bank that the check was drawn off of when you made the deposit the other day, even though the funds are available in your balance. '' at that point all the other employees started to shake there heads and agree with her for saying that. Then I asked her so You are not going to give me the funds that are showing available in my balance? and she rudely said NOPE. I then walked out of the branch to call customer service to inquire about the situation. And XXXX proceeded to lock the door behind me. I then went back and knocked on the door to ask her a question and when she came to the door I informed her of Reg CC at that point she looked like she was in shocked that I was aware of that policy and said to me " im not taking that risk of giving you any funds and slammed the door in my face. I then spoke with a customer service representative through the wells fargo phone service who informed me that there was no reason why I couldn't receive my money and the funds where available and had been collected from the other bank as well. She was in disbelief of what had happened at that branch. At that point I was unable to get any funds because that branch had closed and there was no other branch that was open in the area I could go to. So needless to say I lost a large amount of money yesterday because I had placed a deposit on a piece of equipment that had to be paid in full and picked up by XX/XX/XXXX. We also will be closing out our accounts that we have had for 10 years and not opening our business account up with Wells Fargo. It shocking that wells Fargo would even employ someone like that but to top it off she is there customer service supervisor at that branch which his even more mind blowing

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