vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is regarding our Bank of America home Equity line of credit interest only loan. Our HELOC loan went from interest only to principle and interest which substantially increased our monthly payment. We asked Bank of America to extend our HELOC loan interest only because we could not afford the monthly payment. We noticed that Bank of America intentionally delayed responses to written requests for assistance. After several month of no cooperation with Bank of America our loan was seriously delinquent. Eventually Bank of America offered a loan modification which they call a trial period. The condition of the loan modification was that if I make XX/XX/XXXX, XX/XX/XXXX, and JXX/XX/XXXX payments on time and in full {$780.00} that our loan would be brought current. 
In XX/XX/XXXX we received a letter stating that we successfully completed the trial period and approved for an extension to the term of our equity line of credit. A few months later in a credit report we discovered that Bank of America continued to report late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called Bank of America and asked why they continue to report false information when in fact our loan was brought current and the only way to have been given the loan modification the agreement was three on time full payments. Bank of America representative said it would be cleared up sometimes it takes 30 days to several months but it would be cleared up. 
In XX/XX/XXXX a recent credit report continues to show that Bank of America is reporting the we are making late payments. I called Bank of America on XX/XX/XXXX to complain about the false information they have been reporting. Bank of America representative did some research and according to their records only the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX  monthly payments show late payments from XX/XX/XXXX to the present every payment has been on time. Bank of America representative could not explain why these three months were reported late and yet we were given the loan modification for successfully make XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments on time ( Ref # XXXX ). I was told it would be researched and someone one get back to me. 
Bank of America intentionally delays their responses so that our credit reports score is impacted by their fraudulent reporting practices. So called working with Bank of America has been the worst experience I have had. We are doing all that we can to get away from doing any further business with Bank of America however due to their false reporting we are unable to refinance our home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I filed an insurance claim an submitted all documents to mortgage company. I called in XX/XX/XXXX to advise work completed. The representative I spoke with Advised to send in pictures and lien waiver to close the claim. I did ask a few times if an inspection was needed and advised no. 

On or around XX/XX/XXXX, I received a call asking for repair status. I advised what I was told back in XX/XX/XXXX. The representative advised an inspection is needed. I said to request one. 

I called in today asking for a supervisor to have the call reviewed and asked for explanation as to why wrong information was provided. The supervisor I spoke with, XXXX, was very short and did not want to assist. Said that the " bottom line is inspection is needed. '' I agreed and said I have no issue with that but wanted call reviewed due to misinformation. The supervisor said " yeah, I 'll have c/s pull it '' I asked for a follow up and manager name. XXXX advised I could not speak with the manager nor could a name, number or email be provided. 

I work in the same industry and in the same type of roll. I felt very unheard and treated like I knew nothing and there was no time to assist me or willingness to review the call for an explanation. 

I now have my contractor calling day for payment I ca n't provide due to this hold up. 

Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: NV

Complaint narrative:
On Tuesday X/X/2018 I made a {$5000.00} wire transfer to Coinbase, Inc. That wire transfer was a deposit to my personal coinbase account. The coinbase website states incoming wire transfers to take 1 business day to process funds to your account, which has been the case for previous wire transfer deposits made. 

I have sent emails to coinbase support, started a support case, and called multiple times, all resulting in the absolute worst costumer service I 've ever experienced. No one " has access '' to the information they need to answer my question, it needs to be escalated. I have had zero communication with anyone from this " escalation team ''. The money is not in my bank account, and not in my coinbase account. My bank has confirmed the coinbase XXXX XXXX has received the {$5000.00} wire the same day I sent it, X/X/2018. 

I have read so many other online complaints of people going through the same nightmarish circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: FL

Complaint narrative:
I have contacted the credit company by certified letter asking them to take it off and that it did not belong to me about 6 months ago. They refused and had no prof it is my account. The company reporting is XXXX XXXX for a XXXX account alleged for on X/X/2015. I was never with XXXX I was with another company. I have even asked the credit bureaus and they have denied me my legal right as well. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax displaying a old XXXX XXXX I account information incorrect and account should be remove. Says I 'm 30 days late when account has been closed for years and account was paid as agreed. Also says monthly payment was {$72.00} which is completely inaccurate. My payment was never ever {$72.00} and I never made a payment of {$72.00}, This account has several inaccuracies and should be removed. Equifax refuses to correct or verify account. They also have n't sent me information on verification of account with XXXX XXXX which I asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11 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: FL

Complaint narrative:
I have contacted the credit company by certified letter asking them to take it off and that it did not belong to me about 6 months ago. They refused and had no prof it is my account. The company reporting is XXXX XXXX for a XXXX account alleged for on X/X/2015. I was never with XXXX I was with another company. I have even asked the credit bureaus and they have denied me my legal right as well. 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 explanation
Consumer complaint received 2018-01-11 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: FL

Complaint narrative:
I show XXXX inquires on my equifax report that should not be and was not performed by me, I have requested by certified letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, a fork of Bitcoin called Bitcoin Cash occurred. Coinbase.com promised their customers that anyone storing Bitcoin on Coinbase on XX/XX/XXXX would receive the equivalent number of Bitcoin Cash when they rolled it out in XX/XX/XXXX. I held XXXX Bitcoin in Coinbase on XX/XX/XXXX. But Coinbase has not credited my account as they promised. They immediately closed my original support ticket with a generic response that had nothing to do with my case. My second support ticket ( Case # XXXX ) is two weeks old with no response. I have XXXX to the XXXX Coinbase support account ( not to mention the CEO XXXX XXXX ) on multiple occasions with no response. At today 's price, my XXXX Bitcoin Cash would be worth more than {$11000.00}. As Coinbase refuses to respond or acknowledge the issue, I can only assume they have no intention of paying what is owed. 
Dates : I purchase XXXX BTC on XX/XX/XXXX, another BTC on XX/XX/XXXX, and XXXX BTC XX/XX/XXXX. These assets were held in Coinbase Vault during the time of the fork.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Had a {$500.00} credit limit on my Walmart Credit Card ( store card ) paid at least the minimum each month for over a year. Paid off the card last month ( along with 3 others ) to a XXXX balance. Working on paying down all my debt to improve my debt to credit ratio. When I paid off the card they lowered my credit limit to {$100.00} dollars. Thereby hurting me in the debt to credit ratio. My spouse also has a Walmart card that has a {$1000.00} limit. We were going to pay that off this month but am afraid they will do the same thing to that card. Hurting us in the debt to credit ratio ( again ) We DID NOT ask for a credit increase. They just took it upon themselves to check my credit ( yet hurting me again ) and made the decision based on my lack of knowledge. 

I would understand cutting my limit if I had a history of late or missing payments but I do n't. I am a faithful Walmart shopper who easily spends over {$1500.00} a month ( XXXX yearly ) not to mention all the money I spend at XXXX 's every month. They purposely waited till it was paid off and they had their money to do this! They could have done this with the balance on there and sent us a letter stating that they are reducing the credit limit to {$100.00} dollars and suspending the account until it is below the limit. Then they could have given us a 6 month grandfather period to bring it under the limit before charging over-limit fees. But no, they wo n't do that because they know the chances of the customer paying it off drops to XXXX! Instead, we wait till the good customers that are responsible pay off their card and do it to them!

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 2018-01-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax Equifax has in error XXXX XXXX the wrong amount of Loan as {$27000.00} which is wrong in in error by Equifax. 

My original loan was : XXXX not {$27000.00} as stated or showing on my credit report by Equifax. 

Equifax has in error to there reporting as stated on my credit report and information obtain or gathered as false and created by Equifax in error or obtain wrong by Equifax. 

XXXX XXXX did not supply delinquency information correct as stated by the letter I 'm providing as in XXXX : We did not supply delinquency information to credit reporting agencies. 
There XXXX XXXX is the originator of the loan and the owner of this account. 
And as stated XXXX XXXX did not have this loan as Equifax has for years XX/XX/XXXX,XX/XX/XXXX so Equifax reported for in error because the loan was transferred as stated by XXXX to this loan. The information Equifax has showing is in error and false by Equifax as stated by chase there was no loan in XX/XX/XXXX,XX/XX/XXXX as stated by Equifax Documents and loan amount provided by XXXX as proof. Loan was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I keep having a employer XXXX XXXX appearing on my credit report after disputing its removed then placed back. I want it removed its inaccurate

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 2018-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA has raised my fix VA loan payment approx $ 176  monthly in retaliation for exposing their taking of a double hazard payment from my escrow account. USAA refused to return the mandatory over payments they charged me to makeup the shortage caused by the double hazard payment of approx {$250.00} and then charged me an additional approx {$150.00}. in fees. 

The increase in the monthly payment corresponds with the amount referenced above originally misappropriated to cover the escrow shortage created by their taking a double hazard payment and additional fees. 

USAA then continually changes the point of contact requiring that the new POC have a " few days '' to review the matter. This wastes time, causes significant delays and unearned fees to be collected even when USAA knows the fees are not valid. I have been unsuccessful in getting the assigned rep to return calls and the servicing company XXXX to answer or return calls. Both companies avoid the matter and if they call provide half answers or no answers at all again requiring a " few days '' to " research '' the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: FL

Complaint narrative:
I show XXXX inquires on my transnunion report that should not be and was not performed by me, I have requested by letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- 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 2018-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My account is on Autopay, and they choose the payment date - I can not change it. Then they charge a late fee when they withdraw it after the due date. It is absurd- they choose the date, manage the withdrawal, and then charge me a late fee- many many times. They have ignored my complaints except to say I can not change the withdrawal date! This is obviouly intentionally deceptive and I have seen other complaints on the same issue with no effort on the part of Navient to resolve or credit me for the late fees. I do n't have any power and yet I am paying my loan honestly every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Unauthorized Charges made to my account : DATE NAME PHONE # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$68.00} XXXX/XXXX/XXXX XXXX XXXX DE {$41.00} XXXX XXXX/XXXX/XXXX XXXX  XXXX CA {$68.00} XXXX XXXX/XXXX/XXXX XXXX XXXX WY {$41.00} XXXX XXXX/XXXX/XXXX BCELBCUSTLN XXXX CA {$68.00} XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$68.00} XXXX XXXX/XXXX/XXXX XXXX XXXX AK {$41.00} RECEIVED CHECK FROM CITI BANK XXXX/XXXX/XXXX {$170.00} FOR AN UNAUTHORIZED CHARGES MADE TO OUR MY ACCOUNT. 
XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$89.00} XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$44.00} XXXX XXXX/XXXX/XXXX XXXX XXXX FL {$86.00} XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX {$79.00} CONTACT WITH ONE STATED THAT THE UNAUTHORIZED CHARGES COULD NOT BE REMOVED BUT THEY COULD BE CANCELLED? NO CALL WAS MADE TO AUTHORIZE THESE CHARGES, THEY JUST APPEAR ON OUR STATEMENT. 
WE ARE AT A LOST TO REMEDY THESE CHARGES BEING MADE TO MY CREDIT CARD ACCOUNT.

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 2018-01-11 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: FL

Complaint narrative:
I show XXXX inquires on my experian report that should not be and was not performed by me, I have requested by letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX -XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- 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 2018-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXX XXXX about a medical bill that was disputed back on XX/XX/XXXX that the validation of the debit wasnt mines. The company was unsuccessful at validating this debt they didnt have a contract or my signature they couldnt prove anything and the debt was removed. I receive a letter in the mail on XX/XX/XXXX and I wrote the letter telling them the debt doesnt belong to me and they sent a letter back stating a account number and balance no contract no nothing so now today they added this debt to my credit report without proving once again this debt is mines

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 2018-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I had been paying my due payment plus an extra XXXX to XXXX dollars to reduce and cover late fees on my account. I then come to find out that none of the payments were being applied as the system said they would be. The system for XXXX XXXX indicates that if a payment is made past the due date a fee is assessed.. in order to pay the due fee Id make my payment with additional funds to cover the fee. I come to find out that not only were the late fees not being applied correctly but that there is interest accruing on the fees! I called and got this information from a representative. The rep indicated that it could take time to get this resolved and that someone from BMW would call me. Noones called me. The fees are still there. The thing that BMW did do  however, was apply the extra funds I paid to the next payment due. This was not reflected on the monthly billing statement however, as the monthly payment continued to reflect the full amount. I believe that BMW even marked me as 30 day late one or two time because of this confusion, as I paid the true amount due, as opposed to what was on the statement.

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