vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-26 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: CO

Complaint narrative:
In XXXX XXXX The city of XXXX XXXX had a major hailstorm that caused damage to many of my possessions, one car was beyond repair and I needed to replace it. When I went to replace it, I found that my credit report had been given negative reports by a bank, XXXX. I had had many conversations with this bank, as it is online only, and my daughter had a truck on a loan through them. The bank was impossible to deal with as most of their help did not speak English well. I was never given any alerts or notifications of late payments, but they said two were late. These were paid and I moved the loan to XXXX XXXX to get better service and a better interest rate for my daughter. I also had to replace another car. I managed to get this done with a decent rate and payment. But now over a year later my credit is still the same and nothing has changed and Transunion and XXXX are impossible to deal with, there is absolutely nothing wrong with my credit, I have zero issues and my credit uses are well within acceptable levels but these two companies are like slave owners, as a citizen of America, it should be illegal for them to give a person a rating with no real justification for it, and no deep explanation of the reason, they need to be responsible for their actions and how they affect people. I had to acquire a car through no fault of my own yet I am still paying for it in a less than stellar credit rating by corrupt businesses that can not explain or correct their wrong doings. I am tired of being chained by two companies that are in the business of selling peoples lives - it is modern slavery and the government needs to put an end to it.

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 2017-10-26 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: GA

Complaint narrative:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was solicited while on line with my XXXX account. I was offered a credit card to use, as I understood, with my XXXX purchases. subsequently, I received written notice from Chase, stating " We 're unable to approve your request for a XXXX XXXX XXXX Signature at this time. '' I had reviewed my credit only and few days before and learned that the 3 Credit Reporting Agencies had scored my credit between XXXX  and XXXX. XXXX is the score mentioned in the letter from Chase. The Bankruptcy ( Chapter XXXX ) was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since then I have maintained good credit practices. There is no mention of the Bankruptcy as attested to by XXXX when they reviewed my credit history with me today. 
I suspect Chase of attempting to maliciously tarnish the credit that I have rebuilt since the Bankruptcy was discharged, as it was removed from my credit history as provided by law. 
I do not recall if Chase participated in the Bankruptcy or wrote off the debt. Several of my creditors, at the time of filing, were charging unreasonable amounts of interest and declined to negotiate with me. I filed Bankruptcy to obtain legal protection and satisfied all claims with interest. 
If I had known that the credit offer received through XXXX was from Chase, I would not have applied due their past spurious business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
I took out a payday loan from ACE when I was XXXX years old. I am XXXX years old now. They have sold and resold this debt and I have paid it off many times because they threatened to arrest me. Now 9 years later I keep receiving phone calls and harrassing letters threatening me again but this time with a civil lawsuit and reporting badly against my credit to the credit bureaus. I found ypur information when I starting researcging if this was happening to other people and found out that not only is it but there has already been an agreed upon settlement in XXXX. It is XXXX and they are still up tp the same tricks. I spoke with a lawyer about it years ago after I was done repaying and repaying and he said that a company will keep reselling a debt even after paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
The account was permanently blocked on the XXXX of XXXX XXXX due to alleged fraudulent activity although supporting documentation was given to show that there was no fraud involved the balance was {$100.00} in the checking account and {$600.00} in the savings account that was deposited from my pay check American Express has failed to release the money owed to me within a reasonable amount of time the first contact on the issue was XXXX/XXXX/XXXX and was told by a female agent I would recieve my money in 7 or 10 business days I recieved {$100.00} in a check on XXXX/XXXX/XXXX 20 days past the date that was said and here I am today XXXX/XXXX/XXXX still waiting to recieve the rest of my {$600.00} from the savings account I spoke with a female agent on XXXX/XXXX/XXXX who said it would be sent in 7 or 10 business days again more lies

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hi, My complaint is with coinbase. They closed down my account without giving me any details other than suspicious activity. Ive been emailing them multiple times for the last XXXX months with no resolution. 
Today, I contacted them twice by phone. After about XXXX in hold, I was connected with a rep name XXXX, and then was disconnected when she was looking into my account with a specialist. I immediately called back and after another XXXX, was connect with XXXX. Explained to him that I was just disconnected and then Ive been emailing Coinbase for over XXXX months but have gotten nowhere. I requested to speak with a supervisor and after a few minutes of push backs, he agreed. A few mins later, XXXX got on the phone. I explained to him that I would like some help in regards to why my account is locked due to suspicious activity. His response was, thats above my pay grade. I asked if theres anybody there that could help but he said no. And started to insult me. Coinbase doesnt want your business, you can do business with other XXXX companies! He sounded very hostile and I was schocked and appalled and for a few seconds didnt know how to respond to it. I asked him his last name or employee ID but he refused to give that information. XXXX repeated again, Coinbase doesnt want your business, you can take it elsewhere. Before I could respond, he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 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: GA

Complaint narrative:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT THE FOLLOWING INQUIRIES ARE ALL A RESULT OF 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 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 XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

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 2017-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
To whom it may concern : I am writing in regards to Ocwen Loan Servicing, LLC failing to comply with my rights under XXXX. 
XXXX XXXX, I signed an agreement in regards to loan modification, in XXXX XXXX I completed the XXXX  month modification. The opposing council XXXX XXXX XXXX XXXX falsely stated that I had not made the initial modification payments in XXXX XXXX, I proved that this was incorrect with my receipts. In XXXX XXXX, I entered a lawsuit against Ocwen in regards to them calming that I had defaulted the signed contract in XXXX XXXX due to late payments. 
Ocwen is calming that I owe XXXX shared appreciation amount. On XXXX XXXX, XXXX my lawyer mailed them a XXXX requesting a detailed calculation of XXXX XXXX, XXXX payoff quote. They have failed to reply. 
I am currently unable to access my mortgage account, when I contact Ocwen they tell me that I must contact my attorney. In XXXX XXXX XXXX XXXX Ocwen failed to report my timely monthly payments to XXXX XXXX XXXX XXXX XXXX credit agencies. I disputed the issue in XXXX XXXX my credit history was not updated. To current date my payments has not been reflected in my credit score. 
On XXXX XXXX, XXXX, Attorney General XXXX announced that Ocwen customers were to receive XXXX XXXX as part of a XXXX XXXX national foreclosure, mortgage servicing settlement. I believe that Ocwen has made multiple mistakes in regards to my loan modification, I currently want Ocwen to give me a detailed calculation in regards to how they came up with the XXXX in back payments, and why on XXXX XXXX, XXXX there were XXXX property inspections in a single day and XXXX falsified mortgage payments from XXXX XXXX, XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX myself, as well as my attorney who was on a conference call with me, called Ocwen to find out more information, Ocwen refused to answer any question about my loan account. 
On about XXXX XXXX, XXXX I applied for a XXXX XXXX XXXX signature card, I was denied due to the reported poor payment history with Ocwen. 
On about XXXX XXXX, XXXX I applied for a XXXX XXXX XXXX card and then again was denied due to the reported poor payment history with Ocwen. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I have seen that XXXX, XXXX and lately XXXX has been on my credit I did not file or put in for a application, I did call each but to my amazement there still on my credit report. Please help

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 2017-10-26 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: GA

Complaint narrative:
I opened a mortgage with XXXX in XXXX, the mortgage was sold to XXXX then back to chase. During that time I obtained an IRRL due to my XXXX XXXX military status. While deploying and on XXXX XXXX the loan fell behind and so I did a modification, upon which time unfortunately XXXX and other banks were illegal foreclosures and I was in that bunch that was able to get mine approved. The modification took over a year as I was told the paperwork was lost at one point to they repeatedly needed more information and customer service liaisons switched on my account. In XXXX I retired and they gave me a 1 % interest rate for 36 months so I made partial payments. I was declared 100 % medically XXXX and in my transition my military check was behind and I have a XXXX child who was in ICU. I was told to not make payments until the final paperwork for the modification was complete. This was due to them not knowing what the payments would be, at this point I never imagined or did I know that it was being negatively reported on my credit report. I have attempted numerous time to work with the credit bureaus and XXXX directly but to no success. The reduced payments were made as asked. There should not be annotated as late payments period. Finally if that was n't enough the new modified loan and the old account have the same number so the delinquencies remain though I have never missed a payment since the modification. The new amount of credit for the new loan is {$210000.00} yet they are still reporting to the XXXX the old XXXX of XXXX giving the impression on my credit report that I am over XXXX dollars which is not true.

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 2017-10-26 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: GA

Complaint narrative:
I opened a mortgage with XXXX in XXXX, the mortgage was sold to XXXX then back to chase. During that time I obtained an IRRL due to my XXXX XXXX military status. While deploying and on XXXX XXXX the loan fell behind and so I did a modification, upon which time unfortunately XXXX and other banks were illegal foreclosures and I was in that bunch that was able to get mine approved. The modification took over a year as I was told the paperwork was lost at XXXX point to they repeatedly needed more information and customer service liaisons switched on my account. In XXXX I retired and they gave me a XXXX XXXX interest rate for 36 months so I made partial payments. I was declared 100 % medically XXXX and in my transition my military check was behind and I have a XXXX child who was in XXXX I was told to not make payments until the final paperwork for the modification was complete. This was due to them not knowing what the payments would be, at this point I never imagined or did I know that it was being negatively reported on my credit report. I have attempted numerous time to work with the credit bureaus and XXXX directly but to no success. The reduced payments were made as asked. There should not be annotated as late payments period. Finally if that was n't enough the new modified loan and the old account have the same number so the delinquencies remain though I have never missed a payment since the modification. The new amount of credit for the new loan is {$XXXX} yet they are still reporting to the CB the old one of XXXX giving the impression on my credit report that I am over XXXX dollars which is not true.

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 2017-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX handles Walmart credit cards, I have the card for 3 months and I pay on due date and each month they apply a late fee on the due date. I called in and was told it 's a pre cycle late fee, I asked but I was not late and I was told just in case payment does n't clear, so I asked " you assume that your customer is writing you a bad check? '' I was told the late fee falls off after 48 -72 hours,  I believe this if it is not should be illegal to charge a late fee prior to the payment being late. Last month I had to call back to get the fee removed it did not go away without another call which is very hard to get through to someone, the average person may actually be paying this late fee without even knowing it. This needs to be investigated.

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 2017-10-26 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: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
In XXXX XXXX The city of XXXX XXXX had a major hailstorm that caused damage to many of my possessions, XXXX car was beyond repair and I needed to replace it. When I went to replace it, I found that my credit report had been given negative reports by a bank, Ally. I had had many conversations with this bank, as it is online only, and my daughter had a truck on a loan through them. The bank was impossible to deal with as most of their help did not speak XXXX well. I was never given any alerts or notifications of late payments, but they said XXXX were late. These were paid and I moved the loan to XXXX XXXX to get better service and a better interest rate for my daughter. I also had to replace another car. I managed to get this done with a decent rate and payment. But now over a year later my credit is still the same and nothing has changed and XXXX and XXXX are impossible to deal with, there is absolutely nothing wrong with my credit, I have XXXX issues and my credit uses are well within acceptable levels but these XXXX companies are like XXXX XXXX, as a citizen of America, it should be illegal for them to give a person a rating with no real justification for it, and no deep explanation of the reason, they need to be responsible for their actions and how they affect people. I had to acquire a car through no fault of my own yet I am still paying for it in a less than stellar credit rating by corrupt businesses that can not explain or correct their wrong doings. I am tired of being chained by XXXX companies that are in the business of selling peoples lives - it is XXXX XXXX and the government needs to put an end to it.

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