vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-11 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: WA

Complaint narrative:
Hello, My name is  XXXX   XXXX  I am filing this complaint on TransUnion they have failed to provide me with physical proof of verification of an account by the company name  XXXX   XXXX  located in  XXXX , CA. I have sent two  XXXX  letters asking that TransUnion provide physical proof of verification and all they have done is send me a updated credited report saying verified account.     I know by law that I have a right to have physical proof of how they verified this information which they have failed to do so. I have also disputed this same account with   XXXX   and  XXXX  and they could not verify the account so Im very confused as to how TransUnion has been able to verify an account  but two othe r credit reporting company 's could not. I have an updated report from  XXXX  as well as  XXXX  showing item has been deleted. I am asking that TransUnion follow the law and my right and either provide me with physical proof or delete the item from my report as should have been done months ago.     I am providing my current report from   XXXX   showing they removed the account because it could n't be verified.     Thank you  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 2017-06-11 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: MI

Complaint narrative:
Equifax wrongly believes a tax lien #  XXXX  from the  State  of Michigan for {$3800.00} on my credit report belongs to me when really it wa s ( w rongly, but that 's another story ) issued to my deceased grandfather.     I submitted a dispute with Equifax on  XXXX   XXXX     2017  that was essentially denied when they " verified the information ''. I had other disputes with  XXXX   XXXX  and   XXXX   that both went positively and they have removed the item.     I have a copy of the lien, a copy of both my and his license, and his social security card. I would be glad to verify any information as soon as possible.     Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient  has denied me payment plans that would meet my income and Now that I am back in school they refused to put my loans into deferment. I have been arguing with them for over 2 years now to please take my loans off my credit report as defaulted. I have not defaulted on them. I have been in school and yes, I did take some time off due to personal health issues but I have never even been out of school for a whole year since  2013 . When they told me I could n't be deferred I was blown away because I was told that I could be deferred up until  1st year after graduation. I then even tried to set up a payment plan with them just to keep it from hurting my cred  it score an d was told I would have to pay  XXXX  $ a month and was denied anything lower. Now because they would not give me a reasonable amount that I could afford and wo n't defer me even though I am a  XXXX   XXXX   XXXX  attending  XXXX   XXXX  I am being denied for personal private loans and all loans or help because of the derogatory remarks and Navient saying I have failed to make payments. I need money to help pay my rent and bills and ca n't get help. I ca n't get a credit card I ca n't borrow for anything. I do n't think it is fair that they have been able to deny me help also because they should have to borrow to me since they caused this. For  over two years they have been destroying my credit score and refuse to h elp me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
This company is attempting to collect on a debt that became a judgement on  XXXX / XXXX / 2008 .   I n NYS, the statute of limitations is 10 years ; and up to 20 years ( see attached ), however ; the debt collector must re-file the judgement a year prior to the expiration of the 10 years ( see attached ) This company is illegally attempting to collect on a debt and judgement without the proper protocol and is illegal in NYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This company is attempting to collect on a debt that became a judgement on  XXXX / XXXX / 2008 .   In  NYS, the statute of limitations is 10 years ; and up to 20 years ( see attached ), however ; the debt collector must re-file the judgement a year prior to the expiration of the 10 years ( see attached ) This company is illegally attempting to collect on a debt and judgement without the proper protocol and is illegal in NYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11 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: FL

Complaint narrative:
I have been attempting to resolve this issue for the past couple of months. My wallet went missing sometime last year and ever since then i have been getting inquiries placed 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 non-monetary relief
Consumer complaint received 2017-06-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been attempting to resolve this issue for the past couple of months. My wallet went missing sometime last year and ever since then i have been getting inquiries placed 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 non-monetary relief
Consumer complaint received 2017-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Citi Bank received my formal dispute on  XXXX / XXXX / 17 . I requested validation of this account, as they have a Best Buy credit card reporting as " written off/past due '' under my social security number. CitiBank only responded with a letter stating the account is delinquent {$470.00}, with no other information. Citi Bank also failed to mark my credit report as disputed within thei r 30 allowable days. I then mailed them another letter asking for validation and how they verified the account. I hav e still not gotten a reply from them nor have I received any additional correspondence associated with this account they claim to be mine.

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 2017-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am having a problem wi th Chase  updating my transactions with   XXXX   XXXX   with whom I use on a weekly basis for extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am a victim of identity theft. My mother was the perpetrator of the crime and opened a credit card under my name and built a debt of {$12000.00} with out my consent or knowledge. I have provided substantial evidence to prove that I was not the person t hat engaged in the contract with Citibank. I included a policereport, and FTC report and copies of the credit card application, and IRS tax form, and a letter clearing me of a second credit card (  XXXX  ) that was opened as a result of Identity Theft that has the same information used to open the Citibank credit card. The evidence I includeded proved the fraudulent address, income, and phone number used in the application. Citibank has refused to recognize this case as identity theft. Citibank has yet to clear me of the debt, continues to hold me accountable for the charges that were made as a result of identity theft, has failed to abide by the Fair Credit Reporting Act, and has multiple times sent letters contrary to the statements made by the lead investigator. The investigator told me she 'believed my story, '' yet is still strying to collect.

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 2017-06-12 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: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
In XXXX there was a vehicle loan taken out through Santander USA that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since XXXX when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from Santander USA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I paid my credit card balance of {$16.00} balance with Bank of America by the due date. However after i was charged a {$1.00}. With no explanation as to why i was charged this by the bank. I paid the full balance by the due date. According to FCRA the law states interest shall be imposed on the remaining balance after the due date.

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 2017-06-12 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

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 2017-06-12 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: GA

Complaint narrative:
In  XXXX  there was a vehicle loan taken out through  XXXX   XXXX  that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since  XXXX  when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from  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 2017-06-12 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: GA

Complaint narrative:
In  XXXX  there was a vehicle loan taken out through  XXXX   XXXX  that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since  XXXX  when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In  XXXX  there was a vehicle loan taken out through  XXXX   XXXX  that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since  XXXX  when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from  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 non-monetary relief
Consumer complaint received 2017-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Fraudulent activity caused my account to be overdrawn and frozen. My funds were taken by the bank and I do not have access to the money from my account. The problem was reported and followed up with phone calls, messages, and in-person visits. The bank took the money I should have given back to 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 2017-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Wired {$15000.00} to  Coinbase  on  XXXX / XXXX /   2017  for use on their  XXXX  digital currency exchange. Wire transfer was processed next day from my bank checking account, details show in my account. I had previously transferred {$5000.00} to Coinbase from the same account with no issues.     Funds were transferred to : Recipient Na me Coinbase, Inc  Recipient Address  XXXX   XXXX   XXXX , #  XXXX ,  XXXX   XXXX , CA  XXXX  Bank  Name    XXXX   XXXX   XXXX   Bank  Address   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  Routing/ABA Number  XXXX  Account Number  XXXX  ( additional identifier for my consumer account was added in the 'instructions ' field ) Coinbase states on their website : " Bank wire transfers may be credited to your   XXXX   account on the same day if submitted by  XXXX  PT. Otherwise, funds will be available after  one  business day. '' As of  XXXX , funds from this wire transfer are not available in my account.     I have attempted to contact  Coinbase  customer support through their online support system, by email and  XXXX  direct message since  XXXX . No other channels for contact are available. Company has not responded or provided any information on the missing funds . Case ID  in company 's helpdesk system is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been a member of TransUnion ' s Credit Monitoring service for approximately the past ten years. Approximately four months ago I signed in to my TransUnion TrueCredit account to get my latest report and everything went blank. No score, no report, no nothing. The " dashboard '' remains blank no matter what I attempt to do. I have updated the credit card I was using. At first the system would not accept it ; however, it finally wo rked and the funny thing is they have no problem charging the new card for the monthly fee. Additionally, the system will only give me the option to update my  XXXX  agency report occasionally and it never actually works. It just takes me to an error screen that says : " We are temporarily unable to complete your request. Looks like we are experiencing a problem ''.  <P/> Furthermore, I have called in at lea  st five times over the past three months and I get the same standard unhelpful answers : " They are aware of the problem, try again tomorrow, and it could be a browser issue ''. I have tried three different computers ( Home Mac, Home PC, Work PC ) and four different browsers ( Safari, Opera, Chrome, and Explorer ) on numerous occasions. Nothing works except that it appears to allow me to block or unblock my file.
<P/>
Extremely Poor Customer Service. In fact, I would have to say it is unbelievable. I even spoke to a supervisor who was clueless and simply repeated everything their   representatives have said before ; however, they could not resolve the problem and that is unacceptable.

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 2017-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: E*TRADE BANK
State: CA

Complaint narrative:
Hello, My Name is XXXX XXXX. I am a XXXX XXXX Veteran and a XXXX Employee and I need your help. <P/>
There is a 2nd Trust Deed that should have been expunged or otherwise eliminated from my Property Lien history a long time ago. It shoes up on my Preliminary Title Report ( Attached ) and is complicating things for me to be able to get a new refinance loan. <P/>It was originally with XXXX XXXX XXXX/XXXX XXXX XXXX and later there was an assignment of the Deed of Trust to E*Trade Bank . I have attached all the documents that I believe you will need. I need to have this permanently deleted from my records and I need either a full reconveyance of the Deed of Trust in question or some other kind of evidence in writing that this matter is behind me so it does n't persist in the future where my property records are concerned. Our refinance lender has done a great job of helping us and referred us to you for help clearing this up. <P/>Thank you, XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I calle d capital one on   XXXX  because of the hold they were placing on my credit card th e manager said that he would apply a credit for {$50.00} on my acct due to the inconvenience yet applied only {$15.00}. talked customer service tonight and they told me oh well his note is what we have to go by. I  have the call recorded and it clearly states {$50.00} yet they will now honor that

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On  XXXX / XXXX / 17 , I applied for  the CitiBank Business c redit card with  XXXX   XXXX . They denied me wrongfully online at the time of application.  My credit score i s over  XXXX , and I contend the denial was wrongful, likely based upon religion as adjudged from my last name. My social security number is  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