vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-16 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: IL

Complaint narrative:
XXXX   XXXX   XXXX  has confirmed in the last 60 days that all of my loans are issued by them.  XXXX  has been fraudelently duplicating the same Student loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me.   XXXX   has already deleted all their accounts and updated only   XXXX   XXXX   XXXX   loans. I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is   XXXX   XXXX   XXXX  . Thank you!! My name is  XXXX   XXXX   XXXX , My balance with   XXXX   XXXX   XXXX   is approximately {$21000.00},  XXXX  continues to report {$40.00},  XXXX  and duplicate same information coming 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 explanation
Consumer complaint received 2017-06-16 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: IL

Complaint narrative:
XXXX   XXXX   XXXX  has confirmed in the last 60 days that all of my loans are issued by them.  XXXX  has been fraudelently duplicating the same  Student  loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me.  XXXX  has already deleted all their accounts and updated only   XXXX   XXXX   XXXX   XXXX  . I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is   XXXX   XXXX   XXXX  . Thank you!! My name is  XXXX   XXXX   XXXX , My balance with   XXXX   XXXX   XXXX   is approximately {$21000.00},  XXXX  continues to report {$40.00},  XXXX  and duplicate same information coming 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 explanation
Consumer complaint received 2017-06-16 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: TN

Complaint narrative:
I have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in  XXXX  of  2017  and my dispute case disappeared. I disputed again in  XXXX   2017  and this company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.     TransUnion investigated and removed this right away.

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 2017-06-16 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: TN

Complaint narrative:
I have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in    XXXX   XXXX   XXXX   and  my dispute case disappeared. I disputed  again in   XXXX   XXXX   and th is company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.      XXXX  has investigated and removed this right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: TN

Complaint narrative:
Spoke wit h Equifax over the phone on  XXXX / XXXX / XXXX  about an error on my report regarding a false claim that I owed a medical bill. I was and am still currently on social security  XXXX . Medical procedure was covered, and this was dismissed from court last year,  XXXX .  XXXX   XXXX  is the debtor. They have no claim to this charge as it was fully released. I have proven this with all   XXXX   credit agencies, including Equifax. Equifax removed the false court judgement after investigating, but left  XXXX   XXXX  as a current collections account. This is the same collection account. It should not have been duplicated on the credit report. They agreed after investigation to remove it, but only removed half. Now, they told me I had to reopen a dispute on  XXXX / XXXX / XXXX  for the incorrect information that they already agreed to completely delete, so that I have to wait another 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There was money on my card, and I purchased things but the transactions did n't show or approve the amount s in two da ys. I have an app which sends my money to my card but it 's not processing my payments because my transactions from the bank are n't being successful, it still says processing.

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 2017-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have  a Compass Bank Checking accou nt.     From  XXXX   XXXX  to  XXXX   XXXX  I was charged ATM fees totaling {$2200.00}.     The practice of charging excessive fees is unfair.     I continue to use this checking account and would  like Compass Bank  to adjust the balance based on waived fees.     I have paper copies of all monthly checking account statements, including all pages, reflecting the fees that were charged.     I have more than  XXXX  account w ith Compass B ank.

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 2017-06-16 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Failure to provide a copy of a signed contract or any instrument bearing my signature.  Chase  only provided photo copies of statements. As per FTC opinion letter from Attorney  XXXX   XXXX   XXXX   Chase should be aware that a printout of a bill or itemized document does not constitute validation. After   Chase investigated this account I was send violation of the Fair Credit Reporting Act section 623 ( a ) ( 3 )   and/or the Fair Debt Collection Practices Act Sec  tion 807 ( 8 ) by not placing the disclosure within the required 30 day period.
As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.     ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in sectio n 603 ( p )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a account with a company called   XXXX   XXXX   but the are not receiving the data they need from my m y Chase or the y are always slow at sending   XXXX   XXXX   the requested data from my account so that 's why they had asked me to put in a complaint with you on this matter, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I called collection agency  XXXX   XXXX   XXXX  spoke to  XXXX   XXXX   XXXX   XXXX   XXXX ,  I a dvised  XXXX  this was a Fraud Account that I resolved 3 year s ago with  the  XXXX  and their Attorney and I was removed from the lawsuit and I have Documentation from Court and NYS Sheriff 's Dept showing I was excluded due to the Fraud and i need it to be removed from my Credit Due to the fact i am trying to buy a home.  XXXX  proceed to threaten me saying that I am the guarantor and a judgment is against me and even if I get Attorney I still have to pay and it 's my responsibility an d Hong up on me even when I told him I had document to show that 's not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Unauthorized inquiry. On  XXXX   XXXX  I expressedly did not authorize a hard inquriy on my credit report to  XXXX   XXXX   XXXX   XXXX   XXXX , nonethless my report shows a hard inquiry which affects my score. This contradicts my command and the expressedly stated by the company representative " It is not a hard inquiry on your credit report ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One does not keep my banking information updated for the company  XXXX  and it is costing me money.  XXXX  is great! Capital  One 360 checking has so many more issues besides this one to the point that I do nt even know where to begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, On  XXXX / XXXX / 17  I initiated the opening  of Citibank che cking account to take part in a promotion that was for {$300.00} to put {$15000.00} into the account as well as have a direct deposit or purchase of {$250.00} on the account within 45 days. I still have their email communication from  XXXX / XXXX / 17  stating, " We will be contacting you wi thin 5-7 busine ss days about the status of you application. '' On  XXXX / XXXX / 17  I was received their first email stating, " Congratulations! You are on your way to beco ming a new Citibank account holder. There are however, a few more step to complete before you can start using your account. '' I had loaded the account with the required {$15000.00} and made a Direct Deposit t hat hit the account on  XXXX / XXXX / 17 . I reached out  the Citibank on num erous occasions to see when the bonus would post. The representative stated I fulfilled all of the requirements and would receive my bonus after my  XXXX  statement cycled by  XXXX / XXXX / 17 . My account notes were remarked within their systems I was due the bonus.  <P/> Unfortunately, I did n't receive th e bonus and contacted Citibank about this issue. They had reviewed and said my Direct Deposit did n't post until the 46th day when it needed to post within 45 days of account opening. Citibank and I do  not agree on account opening day as they state my account was opened on  XXXX / XXXX / 17  but I did n't have access to the account at that time. Their own team will confirm it can take weeks for an online application to be reviewed and opened. I w as also told on two separate occasions by their support staff that I would receive the promotion. I had been holding this account open with {$15000.00} and direct deposit to obtain this bonus and to not be declined for the bonus is inexcusable by Citibank. Please escalate with Citibank

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 2017-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of   XX/XX/XXXX  90 days past due as of  XX/XX/XXXX ,  XX/XX/XXXX  60 days past due as of XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  30 days past due as of  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  I am not sure  how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
I  was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of   XXXX   XXXX   60 days past due as of   XXXX   XXXX   30 days past due as of   XXXX   XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XX/XX/XXXX to  XX/XX/XXXX , XX/XX/XXXX  to XX/XX/XXXX ,  XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am using   XXXX   and it 's saying my online banking is n't accurately updating my balance information and it is stalling my withdrawals

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 2017-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX   XXXX   is trying to get my bank info so I ca n't access my check early ... I give them permission but Bank of America is taking forever

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 2017-06-16 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: NV

Complaint narrative:
Coinbase s uspended my account access and I ca n't log into the account at all. They asked me to upload my ID to allow an increase in transactions and as soon as I uploaded my valid ID they suspend my acco unt. TI st ill have funds in my account and I have no way of accessing them or removing them at all at this point. I 've sent several emails over  a 2 week time frame asking to resolve this issue and restore my account access but only got one automa ted reply with information about ID uploads ... none of which applies or has anything to do with my requests. They have n't addressed the issue and have not replied to any communications.  <P/> I would like to have someo ne at Coinbase restore my account so that I can log in and remove my funds that are still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I wired money from m y    XXXX   XXXX   XXXX   account to my account on  XXXX , a division of Coinbase , Inc .   That was 5 days ago, the money is neither in my bank account or in my account at  Coinbase.  After  XXXX  attempts to reach out to Coinbase/ XXXX  via multiple support channels  (  XXXX ,  XXXX ,    Support Ticket,  Email, Community Forum ) I have gotten only one automated response, no human response to my request for my funds in one form or another. This seems to be a pattern with Coinbase according to many form posts. I would avoid doing business with them in the future. They are in clear violation of their terms of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Account with ashley home stores, through synchrony bank.
I pay over half of my minimum payment bi-weekly. some months this pays three times a month. but this ensures at least two payments are made in between due dates, however due to a billing cycle error where the due date is 8 days before the billing cycle ends, some of my payments are applied to previous statements instead of the current billing cycle. this results in a late fee and interest charged on my deferred interest account.
On my may statement three payments were made, the last of which was on   XXXX   XXXX  , one day before the billing cycle ends, because of the bi-weekly pay schedule only one payment was made between   XXXX   XXXX   and   XXXX   XXXX   the next due date. Synchrony bank is not allowing a full month between billing cycle and due date to apply payments. this allows customers a pay window of 20-23 days to make the payment, previous applied payments after the due date, but before the end of the billing cycle do not apply to the next 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 2017-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
TCF is failing to report my banking information to a company that I use to access funds in a timely manner. The delay in providing information is creating a delay I need to access funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation