vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
Payment due date was one day earlier than I made payment online. No issues with my failure to comply on time. As I never revolve on these accounts, my concern was the average daily balance and interest continuing to accrue until the average daily balance was XXXX or less for the entire billing cycle. Discontinue using card for several months and paying extra to cover one extra day of interests and prevent minimum {$2.00} charge next month was my plan.

4 Options for payment online were 1 ) Full 2 ) Last Statement Balance 3 ) Minimum and 4 ) Other Since first 3 options all were for {$10.00}, I tried to pay {$15.00} using Other amount option. Would not allow stating it could not exceed Full amount. Full amount does not include unposted fees even though we all know they are accruing. This clear effort to prevent intentional over payments to avoid credit balances while also increasing revolving credit interest income seems very deceptive. To force me to mail or wire a separate payment via other means is not very efficient or consumer friendly in my view and I would ask that the Consumer Finance Protection Bureau seek to end this practice of preventing consumers the option to intentionally overpay to avoid additional fees or interest.

Thank you for your consideration.

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 2018-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECK INTO CASH INC.
State: DE

Complaint narrative:
When checking my credit reports I noticed that this XXXX XXXX XXXX is reporting that I owe a debt in the amount of {$390.00}. The original creditor shows as company by the name of Check into Cash INC and I have no idea who either of these companies are and have never taken out a payday loan with the company Check into Cash. I have searched both companies and have discovered several complaints, accusations of fraud and lawsuits. I have never been notified of this so called owed debt ; by phone or mail. This account just showed up on all three of my credit reports without any notice or opportunity to challenge the validity of the account. Both companies appear to have a history of shady business practice and refuse to fall victim to whatever scam is being ran. 

This account needs to be deleted from all three credit bureaus. This is not my account and I am not sure how this company obtained my information but they need to lose it and remove this account from my credit reports ASAP. If the account is not removed for all three credit bureaus I will have no choice but to seek legal advice and take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Please investigate Chase Bank credit score reporting practices. They are discriminating on the basis of neighborhood XXXX composition or income when they hand out " free '' credit scores. Evidence from today XX/XX/18? My FICA score with XXXX is XXXX, with XXXX credit score is XXXX, both excellent ratings and deservedly so. My credit score with Chase is XXXX, a B score, and it contains misinformation regarding my account history. 

What Chase is doing to me is irrelevant -- nothing will change in my life. What Chase is doing to people on my block and in my neighborhood is a crime. Chase is preventing my neighbors, who have no idea that their credit scores are being underrated, to suffer the consequences when buying a house, home, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: M&T BANK CORPORATION
State: FL

Complaint narrative:
I divorced my spouse over two years ago and want my name removed from the mortgage at XXXX   and XXXX XXXX credit agencies where I am listed as owning the mortgage. I filed a quit claim deed for the mortgage and an assumption agreement was filed by my wife as well. My dissolution of marriage judgement, marital settlement agreement, quit claim deed, and assumption agreement of my ex-spouse that M & T bank is a party to, all of which clearly show that my wife has assumed the mortgage were sent to XXXX  andXXXX XXXX. Both have refused to remove the mortgage from my credit report. This has denied me the ability to purchase another home.

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 2018-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Financial Service
State: CA

Complaint narrative:
Firstly please let me state that I am a victim of identity theft. I have a current police report on file with XXXX and a federal listing with the FTC VIA XXXX. The alleged debt that I am seeing on my credit report was previously removed, sold or transferred, re-aged and then showed up with this current company 's name but the old debt collector 's address the DAY after I filed my police report with XXXX XXXX Police Department. United Financial Service of XXXX XXXX XXXX has disregarded 2 previous attempts to validate with XXXX certified mail return receipt. They call my cellphone very early in the morning ( XXXX ) and also very late at night XXXX XXXX XXXX. They are harassing my family and friends on their cellphones and also calling my current and former employers. I don't even know what this debt is for and other that this derogatory mark I have 100 % perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Someon had pulled the unathorized hard inquiry on XX/XX/2018 on my credit report and I want them to be removed on all the credit bureaus

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 2018-03-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
I send a letter to Transunion sent via certified mail on XX/XX/18. They sent a letter back that I received today, stating there was not sufficient information and that they wanted me to resend the accounts in question in print with the dispute reason ... I did that already in my dispute letter that they received over 30 days ago and included the exact account number they have on each account ... proof is in the attached document field. The numbers I gave for each account is the exact number that I found on my credit report from Transunion. They have recieved every piece of information they want over thirty days ago already in written format. I have requested that these accounts be verified which is my consumer right, and Transunion has failed to honor that request within the 30 day period. Funny, they have the information at the tips of their fingers but cant verify the info!!!!!

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 2018-03-11 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: CA

Complaint narrative:
I submitted an investigation for a dispute on my TransUnion and XXXX  credit reports. last month XXXX XXXX XXXX and there was no change. I disputed the following items : Disputed XXXX  Items - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *These inquiries BELONG on my XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed TransUnion Items - 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  *These inquiries BELONG on my TransUnion credit report : XXXX XXXX XXXX XXXX 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 2018-03-11 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: FL

Complaint narrative:
I divorced my spouse over two years ago and want my name removed from the mortgage at XXXX   and Trans Union credit agencies where I am listed as owning the mortgage. I filed a quit claim deed for the mortgage and an assumption agreement was filed by my wife as well. My dissolution of marriage judgement, marital settlement agreement, quit claim deed, and assumption agreement of my ex-spouse that XXXX XXXX XXXX bank is a party to, all of which clearly show that my wife has assumed the mortgage were sent to XXXX  andTrans Union. Both have refused to remove the mortgage from my credit report. This has denied me the ability to purchase another home.

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 2018-03-11 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: FL

Complaint narrative:
I divorced my spouse over two years ago and want my name removed from the mortgage at Experian and XXXX XXXX credit agencies where I am listed as owning the mortgage. I filed a quit claim deed for the mortgage and an assumption agreement was filed by my wife as well. My dissolution of marriage judgement, marital settlement agreement, quit claim deed, and assumption agreement of my ex-spouse that XXXX XXXX XXXX bank is a party to, all of which clearly show that my wife has assumed the mortgage were sent to Experian andXXXX XXXX. Both have refused to remove the mortgage from my credit report. This has denied me the ability to purchase another home.

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 2018-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
on XX/XX/XXXX I made a payment of XXXX my loan. This amount would pay off one of my loans with Navient. When I checked they only on XXXX that went on the balance.. what happened to the XXXX dollars. I will be calling on Monday to find out this problem This is the worst company. Now I am wondering how many times they have taken my money and didn't appy it correctly.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AK

Complaint narrative:
I sent sent in validation for a so called account that is being collected on that I found on my credit reports. 
1 ) There is no company by the name they are claiming they bought this from on any credit bureau.

2 ) They sent a copy of a single statement that is almost 4 years old. This does not justify validation!!!

3 ) The address on the statment is not even correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Every month since this new company bought our loan from a different company they have been reporting as 30 or more days late. We have called Carrington several times to find out way they are reporting this and they state that we are not late and up to date. They still report as late. They took over at the end of last year. So we call every month and they state we are in good standing. Worst company ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: IN

Complaint narrative:
On XX/XX/2017, Midwest Recovery Systems, LLC put a debt on all 3 of my credit reports for {$820.00}. The original creditor was XXXX XXXX XXXX. I have never received a loan from this company or any documentation that Midwest Recovery Systems, LLC has the right to collect the debt. About 4 or 5 years ago, my cell phone was stolen and personal bank account information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I sent dispute letters to Experian about 2 accounts on my credit report from XXXX XXXX XXXX for which they claimed that I owed {$10000.00} on account number XXXX and {$24000.00} on account number XXXX in XX/XX/XXXX. I challenged the accuracy, compliance and reportability for each of these listings because I am unaware of owing money to this company. 

I also asked to validate the information with XXXX XXXX XXXX, and to provide me with any documentation associated with this account, bearing my signature. In the absence of any documentation bearing my signature, I formally requested that the information be immediately deleted from my credit file for which they maintained under my social security number. 

On XX/XX/XXXX and XX/XX/XXXX I received letters back from Experian stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature. 

On XX/XX/XXXX I sent a dispute letter to Experian about the two XXXX XXXX XXXX accounts stating that after I retained new copies of my credit reports, I noticed that they did not furnish my credit report with required disclosure under XXXX XXXX XXXX, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by placing the disclosure within the required 30-day period.

On XX/XX/XXXX I received a letter back from Experian stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature.

And again with no " notice of dispute '' was ever placed on my account after 30 days.

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 2018-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Sent funds via XXXX, was never sent tickets.

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 2018-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have not had the option to buy on my Coinbase account since mid XX/XX/2017. This has resulted in me losing out on the potential in 10s of thousands of dollars in return of my investments during the peak crypto market.

Their customer service is horrible! I have sent them over 15 emails with little to no organic replies, just not email replies. They even hung up on me during a phone call that i waited over an hour to get through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I have had to send validation request to Equifax on some medical bills due to request from collection agency going unanswered. This request to Equifax was sent over 30 days ago by certified mail. XXXX deleted these accounts from XXXX XXXX as they could not be validated. Equifax has failed to validate these accounts and has not followed suit with the other credit report agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Americas Car-Mart, Inc.
State: IN

Complaint narrative:
I've been paying for a XXXX XXXX XXXX from Carmart, Inc. XX/XX/XXXX, the transmission went out. I paid for the tow, had it sent home. Next day I call Carmart about it, they say they will try and have someone come pick the car up for repair ( under warranty ). XX/XX/XXXX, I call around noon and they tell me they forgot to send someone out. The car is finally picked up XX/XX/XXXX ( I believe? ). A few phone calls go by. XX/XX/XXXX, I call wondering where my car is at. The manager and I start arguing. She threatens to throw a bad transmission in my car and give it back to me so I have to pay another deductible, then proceeds to tell me she can keep the car completely while still making me pay for the car. I pay every two weeks, {$100.00}. I try to call customer service and they can't get ahold of me for 5 days due to " having the number wrong '' even though I confirmed the phone number when I spoke to whoever at customer service. Finally XX/XX/XXXX Carmart calls me and tells me the car will be there " within the hour ''. I was at work at the time, and needed to plan ahead. 30 minutes go by and I call back wondering if they got it yet to which she replied, " I said it will be an hour! ". 30 minutes later, she calls and says the car is there then hangs up. I get dropped off by my manager , drive the car back to work. Immediately I notice that the clutch is loose compared to before ( a rebuilt transmission/clutch should be more stiff I would think ), and a rattle after I approach 2800rpm. I finish work , drive home. Next morning, I check the oil, and there is NONE on the dipstick. I take the car to Valvoline immediately for an oil change. They say the transmission is leaking. I call Carmart to tell them  what I find out. I drop the car off the next morning, XXXX XX/XX/XXXX. I waited until XX/XX/XXXX to call the transmission shop directly ( XXXX XXXX  XXXX XXXX ), when they told me that while the trans leak was simply a bolt they didn't tighten to spec upon rebuild, a rod is knocking in the motor and requires a replacement motor. But, so he says, you can not pull a motor from an XXXX XXXX and put it into a Manual, and that the " Manual motors '' are a needle in a haystack. So I'm still waiting for my car back, while still up to date on my payments. Only, XX/XX/XXXX I owe a " tax payment '' of {$340.00} which I'm now unable to pay due to paying twice as much for gas if not more for a minivan that we are borrowing from family, who is now at the loss of a vehicle because of this too. I've also been paying for insurance on a vehicle I do not currently have, and when asking Carmart about a possible loaner while they service my vehicle under warranty, the manager tells me " they ain't no XXXX! ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CT

Complaint narrative:
Late last year I submitted a complaint regarding primary residential mortgage company. I had made an arrangement to pay my mortgage current. Before this day even arrived they had mailed a letter to me regarding my mortgage being in default. They sent also sent someone to my home to hand deliver a letter with the same information. This man who delivered the letter, then stood in my drive way taking pictures of my home. My children were home and upset that this person was on our property taking pictures. I submitted a complaint regarding this matter and the mortgage company answered stating that they were justified. This in my opinion is harassment. This is my home. This is embarrassing and on the mortgage company 's part, very unprofessional. I may have had issues meeting my payment but my family and I still deserve privacy.

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