vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: ID

Complaint narrative:
I signed up for the " XXXX XXXX '' credit card several years ago after having an account with US Bank since XXXX. The card promised airline flights on a tiered mileage program where I could get a ticket for XXXX points/dollars spent without restriction on when I could travel, providing normal seats were available. I accumulated XXXX points over several years and intended to use them now that I am retired. On XX/XX/XXXX, I called in to XXXX plan to book a flight late in XXXX. I was shocked to find out the XXXX plan program was changed in XXXX to a market based system where my points are now worth about 60 % of what they were worth 10 days earlier. After several hours, I finally booked a ticket at XXXX points. The options available for when I would travel and stops were also very limited through XXXX plan, but not if I contacted the airlines directly. So I am now having to pay whatever the market will bear ( and it does appear the airlines are charging the bank top fares which get passed on to the consumer under this new system ). The promise I will not have closed days and higher cost days is also now invalid because now the market value basis on popular days or popular times makes the cost in points prohibitive. If the bank had implemented their new program but made points accumulated to that point grandfathered in under the tiered rules when the points were accumulated, there would not be a problem. The bank tells me they sent snail mail envelopes to my post office box notifying me of these changes, but I did not receive any notices of this change. They could have emailed me, called, or provided some sort of confirmed receipt of the messages they supposedly sent -- but no effort was made by the bank to do that. I do not believe the notices were sent to the correct address. Even if they were, the practice of reducing my accumulated points to 60 % of their previous value and not honoring their promises using a grandfathered in approach is irresponsible. I am now XXXX in a protected XXXX class and unethical slight of hand tricks to reduce the value of my travel opportunity now that I am on fixed income shocks me. I do about {$30000.00} in business with us bank each year on my credit card. I am surprised the bank thinks it is worth it to reduce my flights ( using rewards ) from 3 to 2 after all this time and money spent with the bank.

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 2018-01-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXXMy legal name is XXXX XXXX XXXX XXXX, and my social security number is missing from this report!  When I applied for housing in XXXX XXXX On XX/XX/XXXX Experian created a credit report number:XXXX for XXXX XXXX. This report included two incorrect social security numbers and not one of these numbers included my correct social security number. This report included my XXXX mothers information name and address in Hawaii. They had my name spelled incorrectly eleven times. My maiden name was XXXX XXXX XXXX. They have my mothers address XXXX XXXX XXXX, XXXX XXXX which I have never lived at. They had a credit card listed from XXXX XXXX XXXX with a balance of $ XXXX. which was dismissed when I received a XXXX from XXXX XXXX XXXX two years ago and showed I still owed the amount. The fact they are creating a credit nightmare with all the wrong in formation has me really angry also that they are using my XXXX mothers information as mine is so negligent and disrespecting me! I worked for a XXXX 15 years and I used to be a XXXX who used credit reporting agencies all the time. I lived in XXXX for 20 years. My XXXX XXXX is new to me so I am not able to get it to you online. I will send a paper copy to the CFPB for your records.

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 2018-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My current address shows as XXXX XXXX XXXX XXXX XXXX, CA XXXX. It should be XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2018-01-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My current address shows as XXXX XXXX XXXX XXXX XXXX, CA XXXX. It should be XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I submitted all of the information to surrender the property to the bank (JP Morgan Chase).X/X/2018 All information was sent to them at XXXXAmount owed on the property is $XXXX the owner XXXX XXXX. XXXX is in the XXXX XXXX XXXX and can not afford to pay the mortgage. I am serving as power of attorney and meet with the officers of the Bank and was informed that a surrendering letter along with Durable Power of attorney was needed to surrender the property along with proof of XXXX XXXX is  living in the XXXX XXXX.  They have not accepted the documents and keep stating they have not received them. I have emailed them and faxed them with the bank managers XXXX XXXX XXXX. The main person at Chase that is giving me the run around is XXXX XXXX XXXXXXXX XXXX XXXX the fax that he had me send the documents to was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
The complaint relates to coinbase. I have protected my account using 2-factor authentication. By switching my mobile device, the 2-factor auth in coinbase needs to be updated as well otherwise you will unable to make transactions anymore. It happend that my account was blocked and asked to unblock my account. I'm now waiting more than a week and all a got is sorry emails confirming my issue has been properly escalated.coinbase supportdesk doesn't allow you to do anything (no escalation via manager, no complaint management nothing). They just telll you you need to wait. but no reaction. It appears thousands of users have problems with accessing their money etc.I'm perfectly fine that coinbase has a great success to celebrate with new clients. But they block user's money by not doing anything related to i.e. my issue. Throughout a week I lost several thousand of dollars because I was not able to do transactions.Whatever they write as Terms and Conditions of use, this is actively blocking cash and coin outflows from coinbase. They actively decide to serve the onboarding of new clients first to promote their success and they absolutely don't care about existing clients.I'm an international client of coinbase (XXXX) but I have never come across such a treatment of customers. Don't get me wrong, whatever they write you is polite but they then don't keep their promises.This company is not mature enough to service financial clients at all.What options do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$50.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxxxxxxxxxx XXXX Creditor Classification Medical or Health Care Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX amoun Comments : I had medical insurance through XXXX that covered this procedure. I was not sent or called with a payment request. billed or notified. Upon finding out about this bill while checking my credit I called designed Receivable Solutions I was told that it would be removed if I paid {$50.00}. I insisted that I was not familiar with this bill and I wanted to dispute it. I was informed that I should just pay the bill and it would be removed. I paid and 3 years later the collection account is still showing up on my credit report. 
Medical

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have an account on my credit report for XXXX XXXX. I don't remember ever having an account from this company. 

I want the company from XXXX XXXX to mail me my original contract that I signed proving this account actually belongs to me. 

They need to produce a copy to me or remove this account from my credit reports and stop all collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have disputed this account twice with Experian. Once over the phone on XXXX XXXX,2017 and they placed a fraud alert on my file and sent it to the other two credit bureaus to follow suit. A couple of days later they sent an email with the dispute being ready and stated that the company has verified that it was my account and it will not be removed. I started another dispute for Experian to validate and not verify anything. I asked for all documents, contracts that i signed that was used to validate this collection account.and was XXXX XXXX XXXX licensed to collect any debt from me in this state. Once again i did not receive any documents validating any debt that is suppose to belong to me and that is being reported incorrectly and causing harm on my credit.

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 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: SC

Complaint narrative:
The week of XXXX XXXX I sent verification/validation to XXXX XXXX, and XXXX for the collection agency AFNI. I received a letter from XXXX around XXXX XXXX staying the debt was validated but I did n't recieve any contract or documents showing the debt was mines. I never received anything from XXXX or XXXX  but it 's showing Meets FCRA Requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: LEXISNEXIS
State: AL

Complaint narrative:
i attempted to get some quotes for homeowners insurance on my home, i was given and extremely high rate {$3900.00} per year. i asked why my rate was so high and i was told it is because of a claim i filed in 2016. I called my insurance company to question the claim and was informed i didn't have a claim. I further investigated and was directed to pull a XXXX report. Once i received the XXXX report i was able to see a claim was filed against my property on XX/XX/2016 for XXXX. I filed a dispute and then i contacted my insurance company with the information, i was informed of the person 's name. The person 's policy and address were totally different from mine, but the person is my niece, she had a tenant claim on her rental property at a totally different address, but somehow it is being charged against me. i contacted XXXX once again ( they are my agents and her agents also ) and was told that i would be held responsible but they will not remove from my XXXX report. This is cause me money and stressing me, i need to know if i need to seek legal action to have this remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: MI

Complaint narrative:
On XXXX XXXX I sent a letter of Verification to LJRoss about a bill reporting on my credit report from them. I asked them to send all necessary documents with information Validating the debt owed to them. They in turn sent a copy of a itemized bill which is not validating a debt owed to them or a signed contract stating that I agreed to pay any amount owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian has this listed as a Chapter XXXX bankruptcy- IT WAS NOT. Prior complaints stated that Experian verified this with the court system. I want to see this verification or I will pursue legal action. I am attaching a case summary FROM the COURTS system that proves this is NOT a chapter XXXX bankruptcy as you are reporting this. 

This is my final attempt before I pursue further lawsuit action.

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 2018-01-19 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been in contact with Navient as well as XXXX, XXXX and XXXX. XXXX has removed some of the accounts but there are still 5 posted on my credit report. XXXX and XXXX have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with Navient. I have nevwr had a loan with this company. I sent notices since XXXX of 2017 to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Since XXXX I have deposited more than 5 checks already in my bank from my job, They do not offer direct deposit. Ever since i started depositing the checks they continually enforce a 7 day hold, and time and time again im told the amount would reduce after the 2nd deposit but it does not. It is not right to hold somebody 's paycheck for over {$1000.00} and not even offer me a dollar from my own check for a whole 7 days. PEOPLE HAVE BILLS TO PAY!

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 2018-01-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has my Social Security Payment and Supplemental Security Income Payments. 

The Social Security Administration located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX, XXXX, Georgia XXXX mails the Benefit Manager ( s ) multiple ACH checks for transfer to Government Debit Cards. 

The transfers does not equal the standard Supplemental Security Income payment of {$730.00}. The transfers does not equal the standard benefit payment from retirement insurance or XXXX insurance either. 

The Manager ( s ) has not transferred the amounts to the card in my possession. The card ending in XXXX. The back of the card has XXXX. It suggest to call XXXX International Calls. 

Complaint Area : ACH Check Replacement or ACH Check Refund

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: STERLING JEWELERS, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX I logged into my XXXX XXXX account and seen that I had a hard inquiry on my XXXX score from Sterling Jewelers that dates back to XX/XX/XXXX. I have absolute no knowledge of this inquiry. I have never even been to a Sterling Jewelers store. I am a young guy who is working to start building my credit and already having an inquiry on my account will slow me down when it comes to applying for different cards especially since I have no idea where this is coming from or even how it appeared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Freedom Mortgage is my loan servicer for the last 26 months. Over the last couple of years, property values increased in our neighborhood so I wanted to see if I would be able to get the PMI canceled. 

I called Freedom Mortgage to understand the pre-requisites to cancel PMI and was told to get a new appraisal to see if LTV is

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 2018-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Between XXXX XXXX and XXXX XXXX my account was assessed {$910.00} dollars in overdraft fees XXXX XXXX {$70.00} XXXX XXXX {$170.00} XXXX XXXX {$140.00} XXXX XXXX {$140.00} XXXX XXXX {$100.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$100.00} XXXX XXXX {$35.00} After becoming aware of the extent and amount of the charges I contacted the bank and via phone call and an in person visit they refunded me {$320.00} dollars of that amount. Still given the fact that this was not entirely my fault I feel they should give me back more than what they currently have. I have been with the bank for 8 years and have been loyal to their brand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I submitted my answer in XXXX went to court in XXXX. The Judge removed it from XXXX XXXX because I am in an active bankruptcy. Well Fargo 's Law Firm : XXXX XXXX XXXX XXXX XXXX in XXXX. IL sent a request to my bankruptcy  attorney to lift the Stay and it was granted. Now, I have a sale date XX/XX/2018 with no regard to XXXX XXXX 's removal from XX/XX/XXXX. XXXX XXXX, Thank you, 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 2018-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates have been harassing me for over a year, over 1000 phone calls even after demanding they stop calling me more than one time. I informed them of the federal law they are violating, yet they responded : " we follow company policy only ''. They even called friends and relatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 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: IL

Complaint narrative:
I have been in contact with XXXX as well as XXXX, XXXX and Transunion. XXXX  has removed some of the accounts but there are still 5 posted on my credit report. Transunion and XXXX have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with XXXX. I have nevwr had a loan with this company. I sent notices since XX/XX/2017 to no avail.

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 2018-01-19 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: IL

Complaint narrative:
I have been in contact with XXXX as well as XXXX, Equifax and XXXX. Equifax has removed some of the accounts but there are still 5 posted on my credit report. XXXX and XXXX have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with XXXX. I have nevwr had a loan with this company. I sent notices since XX/XX/2017 to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been in contact with XXXX as well as Experian, XXXX and XXXX. XXXX has removed some of the accounts but there are still 5 posted on my credit report. XXXX and Experian have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with XXXX. I have nevwr had a loan with this company. I sent notices since XXXX of 2017 to no avail.

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