vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I received four bills ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) for {$19.00} ( {$79.00} in total ) from TransUnion credit monitoring service, however I never agreed to or requested these services. Over a year ago, I signed up for a free account with TransUnion. I checked my credit score once and never returned to the site. I recently discovered these fees in my credit card statements without any notification and certainly no request for the service from my end. I logged into the site today and it immediately notified me that my service had been upgraded and had to accept this upgrade in order to access my account ( this page contained information about the {$19.00} fee ). After accepting I immediately navigated to cancel my membership. I would like to be reimbursed for the {$79.00} that was charged to my credit card and I hope the CFPB looks into this shady practice because it seems to be very common based on blog reviews.

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 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: OH

Complaint narrative:
On XXXX XXXX, 2017 I sent a certified letter to have an alleged debt validated. Company failed to respond and validate the alleged debt, but still continue to report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was checking my credit report and noticed this account was not closed which it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX I sent two checks totaling XXXX XXXX dollars to Bank of America to be posted against principal as specified in the loan agreement. Rather than apply the payments against principal, BOA used these checks to pay two months ' regular payments, deducting interest. In effect they had me pay interest in advance, which I believe that BOA must know defeats the concept of interest. I believe that BOA knows it does not advantage me to pay interest before it is due, and that they were consciously trying to cheat me. The BOA internet site specifically says that any extra payments will be applied against principal, which is why I thought it reasonable to send checks without asking. 


I have talked to BOA reps and they have reversed out the bogus charges, but I think it is worth a complaint anyway, on behalf of citizens who might still trust our bank regulatory system or the honesty of whoever is running BOA. Although I 'm not much bothered by the less than a hundred dollars or so that BOA was trying to steal from me so far, I do n't like to think of how much this adds up to across all their loans, since I suspect they do it systematically. 


The only reason I became aware of this is that my payment due-date kept advancing, and I suspected that this meant they were applying my extra payments to scheduled payments and charging me interest on each one. 


The bank representative I talked to after working up the automatic phone tree and trying to sort this out with someone in XXXX explained to me that the problem was that internet site used to include an option to have an extra payment applied against principal, but this was changed around XX/XX/XXXX or so. I do not understand what bearing changing the internet site had on my extra payments, which were made by checks sent from my bank. 


Again, this is no big deal, hardly worth spending the time clearing up when I was just looking at the larger sums involved. But I wonder how long they would have continued subtracting interest out of my principal pre-payments without telling me, and how many other people they might be doing this to. 

I have n't bothered to do the arithmetic.But I think that since this morning I have about a hundred dollars more and BOA has about a hundred dollars less. Are n't you supposed to be watching these characters? Trying to make good honest Americans out of them?

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 2017-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I was checking my credit report and noticed this account was open that should be 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
Consumer complaint received 2017-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
Please refer to my previous complaint # XXXX. 
Rather than resolving the issue - this adamant and customer unfriendly bank ( US Bank ) simply messed up this issue further. 
1 ) Neither I have online access.

2 ) Nor I am getting paper statement or any kind of notifications. 

Due to my relocation plus issues ( mentioned above ) when i reported this matter - CFPB did nothing. Moreover this bank took further advantage of this situation. 

Rather than helping me they escalated this matter more. 
I want my money back and immediate closure of this account. I want US Bank to pay for the return check fees also. 

If CFPB can not do anything or be a mute spectator - please let me know whom to reach out to?

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 2017-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Date of service was XXXX Billed on XXXX XXXX, XXXX Called Equifax, XXXX XXXX XXXX and the medical office on the dates below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other dates that I did not document on paper before XXXX after I got the bill on XXXX XXXX, XXXX. 

{$330.00} I have called, disputed and sent proof statement of amount as paid to Equifax because the original credit reporting agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have called XXXX XXXX XXXX so many times to show Equifax the account as paid but they say they no longer have an account with me. Equifax has placed re-investigation with the XXXX XXXX XXXX account every time I disputed them, it 's still being reported to Equifax as owed when it should have showed as paid, closed and removed by XXXX XXXX XXXX. Every time I get a report back from Equifax they say XXXX XXXX XXXX reported the information as correct. I would call XXXX XXXX XXXX once again and they would answer every time I call them that I do not have an account with them anymore and to call the hospital who took the bill back. I call the hospital every time after I talk to XXXX XXXX XXXX, the hospital reported it as paid in full and account is closed. The bill was paid by my medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit is ( was ) perfect until I co-signed a car this summer for my son. I am trying to file an explanation on the 3 credit reporting companies. The other two worked fine. EQUIFAX ( https : //www.ai.equifax.com/ ) provides a link to file your information on the credit report. The link, however, does not work for me. I have tried the link on two laptops and a tablet. It will not load. This tells me that Equifax does not care about individual credit accuracy where the other two do.

I have waited over 30 minutes and tried to load the page 3 times. I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XXXX, XXXX, I spoke with a representative at Citi Bank about a payment plan. I am XXXX past due and can not afford that due to family obligations, bills, and a lawyer earlier in the year which was all stated in the recorded phone call. I stated REPEATEDLY that I did not have the funds in XXXX to make a payment. He came back and told me we could settle on an agreement of XXXX per month for 5 years at zero interest. I agreed, once again stating that I did not have the funds for XXXX and starting XXXX XXXX, XXXX and the XXXX of every month after, I could pay XXXX a month. On XXXX XXXX, XXXX I recieved a letter stating that this agreement was terminated due to no payment when I did n't have a chance to pay because it 's not XXXX XXXX. Once again, I stated repeatedly I could not pay in XXXX and that was not an issue to him at all. They made NO EFFORT TO CONTACT ME AND SENT MY ACCOUNT TO COLLECTIONS. I call them on XXXX XXXX, XXXX demanding I speak to the same guy I originally made this deal with or forward me to some type of XXXX or supervisor to deal with this. The lady on the phone refused to transfer me and lied to me saying she could n't access my account anymore. I was just on my account that morning so I knew she was lying to me. I go to log on again not even 3 hours later and I 've been blocked from my account, and have no access to see anything. The point of this complaint is that they did not follow through with their side of the agreement, when I told them multiple times I could NOT pay in XXXX and made NO EFFORT TO CONTACT ME. Please take the time to listen to the recording from 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 non-monetary relief
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I have contacted representatives of this company since XXXX of 2017 to remove there report of a debt the was already paid to their client prior to them contacting me. I have been threatened, called a liar and fraudulent when asked to provide them with my proof after being declined. They have no interest in resolving this issue professionally and never sent me any documents prior to my knowledge of them nor after requestesting all information in regards to this debt they claim I still owe. Their client, XXXX XXXX XXXX is no where to be found on BBB or online anywhere yet they refuse to remove the negative reports to credit bureaus. Whenever i seethe words of lawyer, lawsuit, original documentation, I am hung up on. This isnt right!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
On XXXX XXXX, I opened a Coinbase account and transferred {$5000.00} from my XXXX XXXX XXXX savings account to my Coinbase USD digital wallet. 

I 'm a XXXX citizen doing a XXXX in the USA, so I provided my passport, XXXX ID ( and a scan of my XXXX XXXX ) a few hours later to verify my ID. At this point, Coinbase disabled my USD wallet ( on which the aforementioned transfer was pending ) and replaced it with an EUR wallet. 

I contacted Coinbase support immediately to make sure that the pending transfer had been canceled along with my digital wallet, and received a few irrelevant automated messages. A day later ( XXXX XXXX ), the money had left my XXXX account, and I called Coinbase which asked me for a proof of residency. I complied immediately ( rent statement, lease agreement ), and I 've been waiting for any concrete development ever since. On XXXX XXXX, an automated messaged informed me that the money had reached my USD wallet ( which is not even listed on their platform ). I asked for the transfer to be reversed pending the resolution of the problem, to no avail.

I am growing anxious, given the volatility of the market Coinbase is operating in. This is a lot of money, especially for a student.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
The collection was removed from previous collection agency known as XXXX XXXX , XXXX for {$450.00} and now being reported by a collection agency known as Stellar Recovery INC XXXX date opened XXXX-2017, furthermore according to FCRA I must be notified within 5 days of reinsertion. if you do n't get notified, that 's grounds for removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
My credit was spotless until I cosigned a new car loan for my son this Summer. I insisted that the lender, Toyota Financial Services. must notify me if a payment is ever late PRIOR to negative impact ( ie, 30 days past due ) .. The lender agreed according to the dealership salesperson.

One day, I received a voicemail message from a Toyota collector. My son had let a payment go past due. I finally managed to gain access to the portal online by threatening my son. I called Toyata and spoke to a lady who told me I can not do anything about notification or account access. She further explained there was nothing she could do to remove the negative information from my credit reports. I then asked her if she could put on my account to call me if the loan was ever late again and she said she COULD NOT!!! She could only notify me once it went past 30 days. So how am I responsible and get negative hits if I can not access the loan or demand to be notified?

( I also think the message I was left by Toyota is very vague and impossible to understand. I literally can not understand the call back number the caller left me. I have uploaded the recorded voicemail she left. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX U.S. Bank Prepaid Operations Card Services XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Dear XXXX XXXX : I am writing you in regard to yet another complaint I have filed with the Consumer Financial Protection Bureau ( CFPB ), Complaint ID XXXX. I filed this complaint because yet again the 1-2-3 Rewards Card decided to make up another restriction as reason to not release a transaction from XXXX XXXX, XXXX. It was another hold on my account, this time for $ XXXXand it was immediately released the morning of XXXX XXXX, XXXX upon checkout. In your response to my complaint ID XXXX from XXXX XXXX, XXXX you mention that a way to expedite the release I have the option of sending in a fax with the answers to the questions required in said fax. Most importantly, however, you fail to mention that there is a restriction to this kind of procedurein that only one is allowed every 30 days. This restriction is not mentioned anywhere in your cardholder agreement. The supervisor I spoke with yesterday agreed that this was the case and apologized for this, but failed to release my funds. I believe that my funds should be immediately released back to my account since this restriction is not listed anywhere in my cardholder agreement or was mentioned by you in your letter to me and any customer service representative I have spoken with when I used this procedure for my first transaction. What you are doing is illegal. And I will be taking legal action against this. Thank you, XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT

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 2017-12-07 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:
I have been working so many time with the Credit Bureau about identity fraud on all three of my credit report summary. TransUnion, XXXX, and XXXX have on my credit report that I was an victim of identity fraud, but I have alerts coming to my email address to let me know that someone have use my Social Security number. The creditors should be calling me to verify that I 'm the person that is making the inquiry on my credit report. I never receive a call from the creditors about opening up new credit or etc. I have been calling the Credit Bureau about taking the inquiries off my credit report, but every time I talk to a rep the issue never get resolve. All three credit bureau on an police report on file about me being an victim of identity fraud. I need the following hard inquiries off my credit report, because of identity fraud : XXXX : XXXX XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX/XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX/XXXX XXXX ( XXXX/XXXX/XXXX ), and XXXX XXXX XXXX ( XXXX/XXXX/XXXX ). 

XXXX : XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX  XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), and XXXX XXXX ( XXXX/XXXX/XXXX ). 

TransUnion : XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX/XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), and XXXX XXXX ( XXXX/XXXX/XXXX ). 

Need to have these items removed off my credit report or I will file a lawsuit all three credit bureau for not following through with a victim for preventing identity fraud.

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 2017-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: SC

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX, part of XXXX XXXX XXXX, on XXXX XXXX XXXX. I explained that I was in the process of moving from the XXXX area to XXXX XXXX. The salesman, XXXX XXXX, told us that would not be a problem. I took possession of the car, paid the XXXX  sales tax and was promised the dealer 's finance and title department representatives, XXXX XXXX and XXXX XXXX, would process the paperwork. It 's now been three months since the sale. I initially borrowed {$10000.00} which was paid off in full through their financing branch a month after the purchase. ( see attachment ). I 've paid all the applicable XXXX taxes and sent copies of the paid tax receipts to the individuals above. I 'm a XXXX XXXX resident and have sent a copy of my driver 's license for that state to XXXX along with all the other paper work they 've requested. Despite these efforts, I do not have a valid registration for the car nor do I have a title despite the car being paid off in full. The State of XXXX still has no record of my XXXX being registered. I can not register the car and I do not have a title despite paying off the loan if full. The car is not legal to drive since XXXX will not provide temporary tags beyond 60 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I did not receive a bill in the mail from Wells Fargo Dealer Services for my monthly auto loan payment. I was subsequently charged a late fee. The following month, I did not receive my bill again so I called customer support to address the matter. To avoid another late fee, I elected to pay the bill over the phone. The representative confirmed that I would be charged my monthly payment due of {$210.00}. My bank account statement shows I was charged {$220.00}. I called customer service again to rectify the issue and they removed the additional {$10.00}. The conversations were recorded. 

I want to report Wells Fargo so that they are investigated to determine if this is a regular occurrence.

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 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TIDEWATER FINANCE COMPANY, INC.
State: TN

Complaint narrative:
I have two collections accounts that appear to be the same account on my credit reporting file from a collection agency named Tidewater Finance Company. The account numbers are as follows : XXXX. XXXX XXXX. XXXX I am disputing these collections due to the fact that Tidewater Finance Company XXXX XXXX XXXX XXXX , XXXX XXXX , VA XXXX does not currently have a valid license in Tennessee to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit files immediately.

Company response to consumer: Closed with explanation