vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was under the impression that a deposit would be clearing into my account on XX/XX/XXXX, however it didn't until the XXXX due to the XX/XX/XXXX Holiday. During that time, there were a series of small transfers from my account to a mobile app which essentially ended up amounting to 13 overdraft fees for {$35.00}. When I called to notify them of the clerical error & to ask why my account was avalanched with 13 fees or even allowed to continue to process payments & to seek relief of the charges, they notified me that since It wasn't a banking error that they were very limited to the assistance they could offer me.

I just think this is extremely unfair, especially seeing as how my account would have been well in the positive had the initial deposit cleared in time & the excessive fees of {$450.00} had not taken place. I am a small business owner that has been what I thought was a business partner to Bank of America for over 3 years now, even opening two merchant services accounts through them for my Bar in XXXX & also establishing a line of credit with them as well & for them to treat me like this is utterly unfair & deceptive from someone I've been in business with. This is even after I expressed to them that I'm still in the process of recovering from the recent floods that hit the area.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because TransUnion had a computer glitch that caused my inquiry to be deleted and then they later re-added the inquires without providing me with the legally required written notice five business days of the reinsertion ( FCRA Section 611 5 ( b ). I contacted TransUnion on XX/XX/XXXX @ XXXX XXXX EST and spoke with XXXX XXXX XXXX a customer service representative who were unable to confirm that the Security Breach happened not once but twice in XX/XX/XXXX and XX/XX/XXXX. In good faith, I asked her to have the inquiry removed due to it being illegally re-added. However, she refused to fix their error on my credit report. I then asked to speak with someone in the Special Handling department and and I spoke with XXXX XXXX XXXX a supervisor around XXXX XXXX  EST and she said she wasn't aware of a computer glitch and could not help me, So I said thank you and hung up the phone. I then called back around XXXX XXXX EST and spoke with XXXX XXXX XXXX  a customer service representative who did confirmed that TransUnion had computer glitches in XX/XX/XXXX and XX/XX/XXXX. In good faith, I asked her to have the inquiry removed due to it being illegally re-added. However, she refused to fix their error on my credit report. I then asked to speak with someone in the Special Handling department and I spoke with XXXX XXXX XXXX a supervisor around XXXX XXXX EST and she also confirmed that there was computer glitches in XX/XX/XXXXand XX/XX/XXXX and In good faith, I asked her to have the inquiry removed due to it being illegally re-added. However, she refused to fix their error on my credit report, So I said thank you and hung up the phone. These inquiries adds a hardship to me and my family and my rights were violated by TransUnion. This is suppose to be a respectable Credit Reporting Agency yet they are violating consumer rights and victimizing us. This company should not be able to get away with this. I'm asking that CFPB help me make TransUnion stop victimizing me. I'm asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added. PLEASE!!! Thank You.

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 2018-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
OnXX/XX/XXXXXX/XX/XXXX A submitted was made with XXXX  against XXXX XXXX which is an collection for the amount of {$2100.00} date open XX/XX/XXXX. They have not provided me with any document showing I ever had a contract with them. I have no knowledge of this collection or amount. I would like for this collection to be removed from my credit report

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 2018-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I called and emailed Coinbase in regards to selling and/or transferring my Bitcoin and Ethereum cryptocurrencies and eight months later the problem hasn't been solved. Also, I have USD currency in my account that I can't use to purchase cryptocurrency and/or transfer to external accounts. Coinbase keeps telling me they will assign a specialist to my case, they've assigned one six months after I filed my claim and he was unable to solve the problem. As of today, my situation hasn't changed but my account value has dropped by {$15000.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Paypal is trying to hold my money {$430.00} for 180 days after all the items I have sold have been confirmed delivered. Paypal wants to hold my money to XX/XX/2018, which is ridiculous. Paypal is not paying me any interest for the amount of time they are holding my money. I would like my money released today. I have called and tried to reason with Paypal on 2 occasions, but they are uncooperative. My paypal account email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I applied for credit with XXXX XXXX XXXX  and they ran my credit thru Experian. This is a copy of why I was declined. None of this is true Experian is reporting false information to creditors.

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 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/2018, I submitted identity theft information to Equifax regarding someone else 's information that is being reported on my credit profile. Enclosed in the packet was information from a lot of service providers who were attempting to collect on an alleged debt. This information was directed to a XXXX XXXX, and this person is not me. However, On XX/XX/2018 I received a document from a third party agency name XXXX. This company enclosed my entire identity theft packet. ( XXXX XXXX ). It included that Equifax was the company who sent them the packet. This packet included a lot of information regarding other companies. Equifax released all my PRIVATE information to a company who I do not know and this is a breach of Privacy. I am very upset as to what this has done. Now all my information is vulnerable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
NISSIAN Finacial high my name is XXXX XXXX I bought a XXXX XXXX XXXX for XXXX and they put another XXXX on top of it I am three months late I have ask them to help me lower the payment due to me being out XXXX they refused when I bought my car I had XXXX XXXX XXXX and we didn't no what was wrong with it my step father XXXX said mass sensor witch coast XXXX and XXXX say Altinater but don't no and it will coast XXXX just took look at it this is my first car and I got taken for didn't understand and was pressured in to brand new car instead used I want my payment to be the Same XXXX dollars more now XXXX more and about to lose it I need help getting into a new car or lowering payment .Please call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There was a fraudulent account opened with XXXX in XX/XX/2014 as a result of identity theft, I have disputed this multiple times with Equifax but the issue has yet to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: CA

Complaint narrative:
Transunion customer service would not help and take care of the negative inquiries on credit report. victim of date breach. 


fraudulent inquiries are : 1- Inquiry : XXXX. Date of Inquiry : XX/XX/XXXX 2- Inquiry :  XXXX XXXX . Date of Inquiry : XX/XX/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 2018-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank has reported a charge off XXXX XXXX card on my credit reports. The claimed open date of this account was XX/XX/XXXX and the account is now being reported as closed on all three bureaus. The balance owed is reported as {$970.00}. When I reached out to Synchrony to inquire about the debt they wrote back stating that the debt had been placed with another agency as of XX/XX/XXXX. However, the balance is still reporting as {$970.00} through all three bureaus!! This is unfair and inaccurate reporting, as once the debt is transferred or sold to another creditor I no longer owe anything to synchrony bank, therefore the balance should be reported as XXXX. The current status of transferred/sold requires the current account balance to be {$0.00}. 

The following statements are quoted from the XXXX website ; " If the creditor has not sold or transferred the debt to a collection agency, the charged off account still will report the balance owed. Once the balance is paid, the account status will be updated to show Paid Charge off and the balance will be updated to XXXX. 

Often, when an account is written off or charged off, the creditor will sell the debt to a collection agency and the balance on the original account will be updated to XXXX. If so, you no longer owe the balance to the original creditor. Instead, the collection agency becomes the legal owner of the debt. ''

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 2018-07-13 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: CA

Complaint narrative:
EQUIFAX customer service would not help and take care of the negative inquiries on credit report. Wrong information reported or error. 



1- Inquiry : XXXX/XXXX. Date of Inquiry : XX/XX/XXXX 2- Inquiry : XXXX . Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
As of XX/XX/XXXX a background check was performed by First Advantage and it states that XXXX County Magistrate Court has a file on me back in XX/XX/XXXX of a paid debt for a check. However, it caused me to loose a job opportunity. The background check was ordered on XX/XX/XXXX and was not completed until XX/XX/XXXX. I was denied the job opportunity for a paid debt that both of these companies did not remove from my account. I never went to court for this debt and paid it prior to any judgments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: CA

Complaint narrative:
Experian customer service would not help and take care of the negative/fraudulent reported inquiries 1- Inquiry : XXXX. Date of Inquiry : XX/XX/XXXX 2- Inquiry :  XXXX XXXX. Date of Inquiry : XX/XX/XXXX 3- Inquiry : XXXX/XXXX XXXX . Date of Inquiry : XX/XX/XXXX 4- Inquiry : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX 5- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 6- Inquiry : XXXX/XXXX  XXXX Date of Inquiry : XX/XX/XXXX 7- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 8- Inquiry : XXXX/XXXX  XXXX And As Date of Inquiry : XX/XX/XXXX 9- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 10- Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX 11- Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX 12- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 13- Inquiry : XXXX Date of Inquiry : XX/XX/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 2018-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I applied for a personal loan through SoFi, and the application included my most recent paystub. I stated an income level of {$110000.00} gross ( before tax ), and showed them a weekly paystub of {$2200.00} ( before tax ). That night, a message appeared on their website that stated that a voided check must be submitted to verify my banking information. 

The next morning, XX/XX/XXXX, I attempted to upload this document and the website encountered an error. I contacted customer support, who was able to upload the document for me through a secure messaging system. Additionally, they asked me to provide a bank statement, and I did so. After providing these documents, they were verified, and I was able to sign paperwork for the loan. 

On XX/XX/XXXX, I was sent an email stating there was " one last step : a quick call '' and they would contact me, but the call never came. Five days later on XX/XX/XXXX I was sent another email stating that the application was denied. The website shows that they were " unable to verify income '' despite having BOTH bank statements and my most recent paystub. Having contacted customer support through both email and phonecall, neither was able to provide any additional information on why they were unable to verify my income or the process they used to verify it. I have offered to put them in contact with my employer, but they refuse. 

I strongly believe that they are lying about being unable to verify my income level.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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:
On Thursday XX/XX/2018 I reached out to this bureau to request that fraudulent student accounts that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. They did remove some but not all of the fraudulent items. 

They did not remove : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  XXXX XXXX I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act. 

I would also like to request a copy of the investigation including the company ( s )  they are receiving this fraudulent information from.

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 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On Friday, XX/XX/2018 I attempted to link my credit cards to the XXXX XXXX app as it is an extremely useful budgeting tool. I authorized the app to access my account details with both of my primary credit cards, XXXX it and Capital One XXXX. The XXXX card synced up fine. The Capital One card did not and the app showed a message saying that Capital One was blocking access to my information. 

I called Capital One customer service. The employee I spoke to said that the only supported third party app was XXXX. But she made a change in my account and then asked me to try to link the app to my account again. This time it worked. The app synced all my data and it worked. Then I thanked the employee and hung up the phone. As soon as I hung up, the app lost access to the account again. I tried to link it again and the same message popped up. " Capital One is blocking access ... '' I called again, and got another employee on the phone. They made a change and asked me to try again, and it worked. Then it stopped working as soon as I hung up the phone. Again.

I suspect Capital One is intentionally blocking customers from accessing their financial records via third party apps that have explicit authorization to do so. I suspect that customer service representatives have been told to allow such access temporarily during a support call, only to once again block access and leave customers under the impression that the app is somehow at fault and not Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Today XX/XX/13, I tried to link my gap visa card account with a tax software, the online bank website blocked me access.

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 2018-07-13 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:
On Thursday XX/XX/2018 I reached out to this bureau to request that fraudulent student accounts that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. They did remove some but not all of the fraudulent items. 

They did not remove : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  XXXX XXXX I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act. 

I would also like to request a copy of the investigation including the company ( s )  they are receiving this fraudulent information from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: VA

Complaint narrative:
On XX/XX/2018, my outstanding loan balance was {$650.00}. A payment of {$650.00} was due on XXXX XXXX and was received by PHH mortgage onXX/XX/XXXX. I  received a letter from PHH, dated XX/XX/XXXX, stating that a payment of {$700.00} was due by XX/XX/XXXX. I called PHH customer service and received the following additional information : 1 ) My payment from XX/XX/XXXX was not credited to my account because it was not received in the form of a certified payment ( wire transfer or bank check ) and did not cover the full amount of the loan which now included a Recording Fee. 
2 ) My payment from XX/XX/XXXX would be refunded to me after I paid the loan balance in full ( e.g. {$700.00} ). 
In response, I would provide the following : 1 ) I was never informed of and hold no correspondence from PHH prior to XX/XX/XXXX, including the original loan paperwork, indicating the amount of the Recording Fee nor of any requirement as to the form of the final payment. I was basically informed on XX/XX/XXXX what my payment amount due on XX/XX/XXXX was and because I didn't pay the correct amount they are still charging me interest on the loan. How can that be legal? 
2 ) If I had not made my regularly schedule loan payment as required by XX/XX/XXXX, I  would have been subject to an additional late payment fee. 
Given the procedures implemented by PHH to notify borrowers of these requirements after the maturity date of the loan it is impossible for the borrower not to incur additional interest charges and fees or to be required double remit their final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citi master card which I wanted to cancel about three weeks ago. When I called, I was told that my account was deactivated. Upon hearing this I asked for a confirmation number to confirm the fact that my account was officially closed. I was told that their system doesn't generate confirmation numbers and that I will receive a letter in the mail confirming the cancellation instead. Today, XX/XX/2018, I did not receive a account cancellation confirmation, instead I received a promotion letter. I'm officially submitting this complaint against Citi ( Sears ) master card and would like to have them cancel my credit card. 

- 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