vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX The basis for my dispute is ALLEGED balance of $ XXXX was required to notify me prior to XX/XX/XXXX, or no later than 30 days after XXXX XXXX XXXXfailed to notify me about reporting derogatory info. to XXXX, Experian In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( 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 derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, XXXX XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve, also XXXX XXXX 's deletion letter for all credit bureaus XXXX XXXX XXXX is held liable as well for defamation and in the state of LA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was wrongly charged by a merchant to my Chase Visa Credit card in the amount of {$5000.00}. When I realized about the issue, I contacted both the merchant ( XXXX XXXX XXXX ) and Chase at the same time. At first, Chase gave me a conditional credit of {$5000.00} while waiting for the merchant to respond. However, since I contacted the merchant at the same time I contacted Chase, the merchant did realize the error and refunded me {$5000.00}. So, between me and the merchant, the problem was resolved as there was no charge to either party. Chase, instead, realized both the conditional credit they gave me and at the same time the merchant did the refund credit on their own, so I had 2 credits at the same time. Chase should have removed their conditional credit upon receipt of the merchant 's refund credit. Instead, Chase removed both credits and told me I still owed the merchant {$5000.00} which is ridiculous and irresponsible. Chase should protect its client and must know its client has never used the card for an amount that is over {$1000.00} in a single purchase. Chase does not want to do its job and to check, verify, monitor, and protect its customer which is a sad thing. Again, its customer is a XXXX XXXX XXXX XXXX veteran. Many thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, It seems that some mortgage companies have been " inquiry happy '' and have been pulling hard inquiries every month! 

I have XXXX hrad inquiries from " XXXX '' for dates of XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I also have XXXX hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX ; and XX/XX/XXXX. 

I have sent multiple letters to these folks and have not received ANY response. 

Could you please force them to remove these hard inquiries from my credit report? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: CA

Complaint narrative:
Hello, It seems that some mortgage companies have been " inquiry happy '' and have been pulling hard inquiries every month! 

I have XXXX hrad inquiries from " XXXX '' for dates of XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I also have XXXX hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX ; and XX/XX/XXXX. 

I have sent multiple letters to these folks and have not received ANY response. 

Could you please force them to remove these hard inquiries from my credit report? 

Thank you, 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 2017-12-01 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: CA

Complaint narrative:
Hello, It seems that some mortgage companies have been " inquiry happy '' and have been pulling hard inquiries every month! 

I have XXXX hrad inquiries from " XXXX '' for dates of XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I also have XXXX hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX ; and XX/XX/XXXX. 

I have sent multiple letters to these folks and have not received ANY response. 

Could you please force them to remove these hard inquiries from my credit report? 

Thank you, 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 2017-12-01 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: OR

Complaint narrative:
The last 4 years I have tried and tried. Letters to Equifax, calls, copies front and back, nothing works. The bank tried to help and saw these incorrect items on my 3 credit reports. They advised me what to do. After the year of back and forth letters, calls and getting no where with Equifax and then the loan companies. 2 car loans and 1 home loan in California. I am in Oregon. Name is incorrect on report as well. I hired XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX.  They got some taken off and {$1600.00} later. Its back on my reports. Effecting my insurance, and as you know everything with credit. 
I started the process in XX/XX/XXXX when I first pulled a credit report, advised by my financial advisor. Equifax XXXXautomated system, the caller must answer security questions to speak with representatives, XX/XX/XXXX what credit card did you have? I was XXXX years old. NONE. Incorrect answer the phone hangs up. I ca n't get anywhere with the phone numbers listed. I try online and what to do. Send a letter. Wait 6 months nothing do it again, with all required copies, forms, letter, proof of person. Nothing. I try to call again. Nothing, After a year of this I try to get credit help. I visit and go to meetings with counselors that advise me what to do. Nothing still. Now Two years of dealing with it. Monthly for 2 years, I have a file with proof. I paid a company, attorneys to help. And now its back on AGAIN!!!! I 'm a single mom, XXXX  kids and own a XXXX. I do n't have time for this, I do n't steal credit, And it should n't be this easy. Really a number is a persons life now days. CREDIT, Loans, Emergency, homes, insurance, I can go on. And when someone uses what you work hard to maintain and take care of, its beyond XXXX or criminal. Explain this to my son who is XXXX went to state golf and needed a car, his broke down. I drive all paid off cars, and could n't even get him a cheap {$3000.00} car. REALLY thats embarrassing. XXXX credit score to XXXX now!!!!!! My name is XXXX XXXX of OREGON. I have filed reports on XXXX freecredit reports agency, XXXX Sent letters. I am at a loss. Only to say obviously it pays to be a criminal in this country. PROOF is right here. The other cars loans, phones, and Mortgages information I have. In a file at the accountant. I can get those if this goes anywhere, if needed, at this time its just the same rant and go no where letter. 

This person is XXXX XXXX XXXX XXXX {$510.00} a month payment $ XXXX car loan left with XXXX XXXX XX/XX/XXXX. XXXX {$430.00} a month $ XXXX left XXXX XXXX XXXX a joint account with someone. XX/XX/XXXX ( XXXX ) XXXX Equifax XX/XX/XXXX I notified them again, dispute XXXX nothing done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/XXXX, I 've Disputed 5 transactions not authorized or completed by me which details are XX/XX/XXXX XXXX {$49.00}, XX/XX/XXXX XXXX  $ XXXX,XX/XX/XXXX XXXX $ XXXX,XX/XX/XXXX XXXX XXXX XXXX $ XXXX,XX/XX/XXXX XXXX XXXX XXXX {$39.00} on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I currently still have in my possession and I requested a new card since my account number XXXX was used without my knowledge.Customer Service Rep issued me a new card and was sent via next day service.Received new card with new number. But Customer Service Failed to closed that account ending in XXXX and card was continued being charged from previous reported disputed transactions and additionally from new online merchant XXXX and XXXX XXXX without my consent or authorization. I 've tried my best trying to communicate this information to customer service and Level 2 on XX/XX/XXXX after explaining such error they have created and from its mistakes on not closing my account when reported and confirmed by rep transactions were still being completed Several reps just disconnect me from the line or continue transferring me to the same department over and over again until calls disconnects.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01 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: NY

Complaint narrative:
I initiated 3 separate wire transfers with Coinbase ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and none of these transfers were received on the dates promised. 

I opened several support tickets with the company and only one was responded to ( only once ) stating there was a bug with wire transfers and they were looking into the problem. In their support email, they told me : " If you dont see the funds within the next 2-3 business days, please let us know. Thank you for your understanding. '' I did not receive the funds in 2 - 3 business days ( it has been 6 days since they sent this email ). After 4 days passed, I responded to them explaining that I had not received the funds. They did not reply to me. 

I opened several other support tickets, but none were responded to. 

I also emailed the CEO 's public email twice requesting that my case not be ignored and have not received any word back. 

I 've also called my bank and asked if they saw any pending wire transfers on their side, but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I have received by mail a document which seems very peculiar ( attached ). I need your confirmation if this is a true case or a kind of phishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
In XX/XX/XXXX I was having trouble making payments on my loans. I was guided by XXXX XXXX into interest only repayment for the next 3 years. I was not informed about any other methods of repayment. In XX/XX/XXXX I again had problems paying my loans, and XXXX XXXX/Navient encouraged me to go into forbearance, which cost {$150.00} every time I had to reapply. I was n't offered any other options. Here I am in XX/XX/XXXX, with a principle balance that is higher than the one I graduated with in XX/XX/XXXX. I feel that Navient had misled me into this situation by only offering or pressuring me towards repayment terms that put more $ in their pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Today I checked my credit report from Equifax. My score drop four points for no apparent reason. Equifax also continues to show accounts and inquires on my account that is passed the seven year time period. They also show accounts where they have not received any viable documentation that the debt is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: FL

Complaint narrative:
I submitted a complaint on XX/XX/XXXX regarding unauthorized activity on a recently pulled credit report from TransUnion and their refusal to investigate. TransUnion responded on XX/XX/XXXX stating, " We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. '' Only to receive a follow-up response in " less than '' 24 hours with an " explanation '', no investigation. 

How is it that I received a response on XX/XX/XXXX stating that you are reviewing the matter, then a follow up response in less than 24 hours later. My complaint included XXXX hard Inquiries ( XXXX-XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and XXXX of your company 's very own ( XXXX XXXX XXXX ( XX/XX/XXXX ) that were not factual or authorized. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in LESS THAN 24 hours after, one can assume that there was no investigation into the matter. I submitted this complaint due to the lack of investigation into my concern for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: RI

Complaint narrative:
On XX/XX/XXXX, I signed on to my Coinbase Account to sell Bitcoin for USD. 
Transaction was to sell XXXX BTC for USD to be wire transferred to my Bank acct. 
At the time of the transaction Btc was around {$4000.00}. Coinbase acknowledged the request. The BTC was deducted from my wallet, but the USD never appeared in my bank. I contacted Customer Support, they assured me that my funds were safe. After weeks of radio silence they responded and acknowledged that there was an issue and said they would return my funds to me. The Customer support agent stated that this was high priority for him and would be resolved on the following business day. That was XX/XX/XXXX. 
I still have no resolution and feel that my complaints are going unanswered. I want my Bitcoin back into my account as if this never happened. XXXX Btc is worth around {$8000.00} right now. It has been 3 months that Coinbase has made my funds unassailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION
State: PA

Complaint narrative:
XX/XX/2017 at estimated time XXXX XXXX to XXXX XXXX I tried depositing {$500.00} in cash all {$20.00} into atm. I put my atm card and went through all processes to where atm took my {$500.00} in cash in machine. After it took my cash ; the ATM went into out of service mode and released my atm card and kept my money. It did not give me any receipt or credit my account. No fail safe on ATM. I went into bbt bank in a panic and a XXXX XXXX addressed me and made me wait about 10 minutes. Finally he took me in his office and not really believing me. Took my atm card and driver 's license looked up my account and started questioning me about previous complaint and wanted to know details and this had nothing to do with ATM or him. Finally he made a call and told me there nothing he can do go get the number off the ATM machine and call it. So I had to drive around and get the number off ATM machine and it was bbt number. I called number and they asked me why the branch did n't file a report for the ATM malfunction and missing cash {$500.00} because bbt services the ATM. I filed reports and then XXXX started calling me again stating he was sorry. 
I did n't get a case number and I feel very upset the ATM stoled my {$500.00}. There was no fail safe on ATM it didnt give any receipt. I asked bbt if I should file a police report and I did ask XXXX XXXX for the security video showing me making my deposit. The money was for my XXXX XXXX for my puppy to be flown here. My husband gives me cash every week and I had saved it up. I was in shock it stoled my money and even more in stock XXXX XXXX did n't believe and questioned me on a previous complaint like I was lying about the ATM stealing my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MN

Complaint narrative:
My Current Balance is incorrect. 
My account reads : Last Satement Balance as of XXXX XXXX, 2017 = {$1500.00} Recent Transactions = {$1.00} Recent Payments and Credits = - {$0.00} Current Balance = {$1600.00} Please do the math and notice that XXXX + XXXX does NOT equal XXXX Please correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
Have two medical collection accounts with Eastern Account one for {$210.00} and on for {$270.00}, I made a payment ( after weeks of trying to contact EAS- their phone system is horrible, no one returns your calls and they keep you on hold for half hour at a time ) on XX/XX/XXXX for both accounts for a total payment of {$490.00} which cleared my bank account on XX/XX/XXXX. 

One of the accounts ( one for {$270.00} ) has reported closed and paid on my credit report, while the other one has not. I called EAS AFTER 3 hours of trying to reach someone I finally get growing, I was told they update on the XXXX of every month and I have to wait. I asked how is that possible since the other account was update on XX/XX/XXXX as closed and paid? I left a message for senior management- and I have n't heard back from anyone. How can the same company report one account closed and not he other when one check was n't paid for both accounts?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: NY

Complaint narrative:
After making two payments the principal amount of the loan has not gone down. I feel I have been deceived because XXXX requires a new loan with each payment and the amount of payment I am scheduled to make does not get applied to the principal amount of the loan making it impossible for me to pay off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I initiated a bank wire transfer on XX/XX/XXXX. The status of my bank wire stated pending up until Tuesday evening when it stated the status of my wire was " complete ''. I 've sent several emails to Coinbase ( the company in question ) and the only response I 've received was someone saying my issue has been resolved when it certainly has not been resolved. Almost a 2 thousand dollar is transaction

Company response to consumer: Closed with explanation