vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-23 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I made a hotel reservation online with American Express Travel using my XXXX credit card. The reservation did not go through, I called them to make sure and they said they did not have it and to re-book online again. ( I ended up canceling this reservation. ) Receiving my statement, I saw TWO reservations ( for the same date ) and a credit for one ( the one I had cancelled -trip XXXX ). I called XXXXTravel initially about XX/XX/XXXX to dispute charge then placed several subsequent calls, talking to different persons, and each time was told it would be handled. On XX/XX/XXXX, spoke to " XXXX '' at XXXX ( ref # XXXX ) who said it would be handled. XX/XX/XXXX I rec 'd a letter putting the disputed charge back on my bill. XX/XX/XXXX, I again called XXXX ( ref # XXXX ). This too produced no results. 
After many calls to XXXXTravel and talking to several " Supervisors '' in their " Service Excellence '' dept., about XX/XX/XXXX, I learned that the first reservation did NOT go through to hotel, but they ( XXXXTravel ) had it ( trip ID XXXX ) and they acknowledged my call and their Instructions to me to re-book. They say they are " waiting for approval '' to issue the credit to my credit card. Meanwhile, XXXX is billing me the disputed {$530.00} and I have yet to receive any word from anyone who has promised to follow up!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-23 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: TX

Complaint narrative:
Transunion had a nationwide system glitch during which all my credit inquiries were removed. Transunion failed to provide me a written notification of the glitch. Few days later all inquiries including some that I did not recognize were reinserted to my credit file without written notification. 
The law requires Transunion to provide a written notification anytime it encounters a system glitch. Transunion failed to do so. 
When contacted, transunion fails to own the responsibility and the representative is of no help. 
I would like transunion to remove all my hard credit inquiries as it has failed to notify me of the system glitch and reinserted additional inquiries that I do not recognize.

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 2018-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
We leased two XXXX XXXX XXXX 's from XXXX  XXXX, XXXX, XXXX in about XX/XX/XXXX. We have made all payments as promised. In XX/XX/XXXX, we decided to lease 2 new XXXX vehicles. XXXX was called to find out what the payments remained and the XXXX dealership wrote us checks for final remaining payments. We continued to make payments towards our accounts knowing that a final bill would arrive. XXXX has in their history of converation that they spoke with XXXX XXXX XXXX to get a payoff amount. We awaited a final bill with the final payments and the lease end fee. After turning in both vehicles we have made a total of approx XXXX on one vehicle and XXXX on the other. We knew there would be a final amount due and we are prepared to write XXXX a check for the final amount. I have called several times and spoke with several people at XXXX XXXX # XXXX. I was told a manager would call me today to try to resolve the issue and I did n't receive a call XX/XX/XXXX. I made the call at XXXX today and spoke with one customer service agent and one individual whom said she was a manager but could n't do anything for me. I have given our situation to several people without a solution. We have always paid our payments on time without fail. We have a good credit history. XXXX XXXX is not practicing good business practices and I believe is causing undo harm to people and their finances with how they are reporting lease ends. I spoke with the XXXX dealership and they have never had this happen with other people that were ending their leases with XXXX. This should be resolved and should n't have gotten this far. Unfair business practices have no place anywhere. I have now received an Early Termination Liability letter on both vehicles, one for {$34000.00} and the other {$35000.00}. My calculation the balance of both accounts should be approx 3500 but XXXX will not give me the final amount to be paid. We were never given a certain way from XXXX that the cars had to be turned in. We inspected the cars and turned them into the dealership we leased from. No one there said anything to us as well. We gave them our information so they could take care of the vehicles and we did n't receive any calls with issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-23 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: GA

Complaint narrative:
i have reached out to Equifax on several attempts in the last 6 months to rectify my credit. I have sent certified letters that reflect letters have been received. I have had no success with speaking with or in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: TX

Complaint narrative:
Equifax reported " active duty alert '' on my credit file in error as I am not in the military. 
When I contacted equifax, I was told that the error will be fixed in 24-48 hours. 
24 hours later I noticed that all my positive accounts disappeared and were replaced by derogatory accounts that did not belong to me. 
I contacted equifax again and they could not figure it out and I got a run around for over a week. 
On XX/XX/XXXX upon calling them continously for days, I was told that somehow my information was split and that due to a glitch all my accounts were suppressed. The csr was kind enough to reach office of consumer affairs and got my positive account history back. 
During this corrections, there were two negative accounts that were added that I did not recognize along with a gazillion inquiries. 
I was not provided any written notification of the glitch and the glitch has caused me financial harm thus far. 
The " active duty alert '' is back on my report along with numerous inquiries and 2 negative accounts that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: OH

Complaint narrative:
Sallie Mae has been applying anywhere from one-third to over half of my monthly payments towards interest, rather than all of it applying to the principal, which is what I was under the assumption it was going toward. This is a trick to get me to pay more money in the long run and I did not approve it. I wanted all of my payments to go toward the principal amount of the loan. This is scamming business. Also, they have raised my monthly payments rates despite me having taken out locked interest rate loans. I am supposed to pay the same amount every month and they 've changed it in the last year without any indication that it was being changed or why. This company is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: CA

Complaint narrative:
Please note that AR Resources sent derogatory credit information to the three credit bureaus XXXX, XXXX and XXXX stating that I did not make payment for the months of XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. I usually make my payment online with my debit card. I made the payment for the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please note that my to the best of my knowledge my identity was comprised I filed an identity theft report in with Federal Trade Commission fTC report number XXXX. When I attempted to make my payment for the Month of XX/XX/XXXX I was asked to give the last 4 digits of my social security number. I sent email to AR Resources in XX/XX/XXXX. Please note that I have made consistent payment to AR resources since the year XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: GA

Complaint narrative:
i have reached out to XXXX on several attempts in the last 6 months to rectify my credit. I have sent certified letters that reflect letters have been received. I have had no success with speaking with or in writing.

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 2018-01-24 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: GA

Complaint narrative:
i have reached out to XXXX on several attempts in the last 6 months to rectify my credit. I have sent certified letters that reflect letters have been received. I have had no success with speaking with or in writing.

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 2018-01-24 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: WA

Complaint narrative:
On XX/XX/XXXX my wife sent a same day wire from XXXX XXXX XXXX to Coinbase inc. in the sum of {$15000.00}. XXXX XXXX XXXX emailed a confirmation of successful send of wire. 

Attempted to contact ~20times XXXX and Coinbase customer service via email, support email, twitter, and phone. Coinbase responded ONE time on XX/XX/XXXX with an automated response not pertaining to my issue. 

Name of Coinbase account is seperate from Wife 's bank account name. This may be causing the issue. If that is the case, we need a resolution to the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had an open credit card with Chase bank. 

In XXXX, I set-up payments through their customer center to be charged to my checking account through XX/XX/XXXX. 

I paid off the entirety of my card in XXXX of last year. 

Despite the fact that my card was paid off, I was charged {$110.00} on XX/XX/XXXX, which over-drafted my account. 

I contacted their claims center and spent 45 minutes on the phone with them. After being transferred several times, they told me that even though the card no longer exists and there was no balance on the card, they could not credit money to my account. 

So, I am faced with an over-drafted account, potential fees, and hardship today and until I receive more money because of an error on how Chase processes their payments. 

To me, it does not seem right that I have to face hardship because an error in processing that Chase has made. The burden of making sure that my account is not being charged in error ( IE payments being made for a card that is already closed ) should fall on the company and not the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-24 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Last XX/XX/XXXX, I sent this company a dispute letter disputing several items that have been reported incorrectly and notified them what these issues are. To my dismay, upon downloading my credit report today, XX/XX/XXXX, my credit report still shows incorrect information and several missing information. From remarks/comment saying that the account was disputed to inaccurate and incomplete payment history. They are incorrect information as well such as the account opened date and Highest balance. Attached to this complaint is a copy of the letter I sent this company dated XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Account Services, Inc.
State: NJ

Complaint narrative:
The account with XXXX XXXX College amount is incorrect. The debt is being settled with the school but i have account credit services reporting on my credit report every month. This is effecting my credit and i was told by credit services reporting that they will accept a certain amount but im currentliy taking care of the bill with the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After I completed my XXXX XXXX application and was ready to start my trading experience a person called not saying their title or what there reason was to call me other than they found I had a new account, without me ever asking for their help or ever specifically calling them. I think this is a scam service and do not want XXXX XXXX 's help, or anyone 's help that does not state their business reason for getting my phone number and calling me. Anyone that calls should state their reason, professionally. 
The message included the following : Hi, XXXX. This is XXXX XXXX calling from XXXX XXXX calling about your new brokerage account. When you get an opportunity please call me at XXXX. My extension is XXXX. Thank you and have a wonderful day bye. 

This was not professional at all.

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 2018-01-24 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: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
XXXX XXXX determined a loan that they had for me was fraud. Instead of removing it they charged it off told me that i was not responsible however transworld systems picked it up added money to it and is harrassing me claiming to sue me. It is not my debt i am not responsible and it needs to be removed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: CA

Complaint narrative:
On XX/XX/XXXX, I sent a wire transfer of {$68000.00} via XXXX XXXX to XXXX ( Part of Coinbase ), which arrived at their bank account in XXXX XXXX NY. The funds were confirmed transferred and a wire return has not been initiated, but the funds were not made available in my XXXX account. 

I 've contacted Coinbase/XXXX by multiple means. I 've submitted a claim on their website, called in, and escalated my case via their services, but have yet to hear back about my money. 

My Case Number is # XXXX, and that should provide all the information that is necessary for the company to identify me and my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: AR

Complaint narrative:
I wrote XXXX/Continental Finance Company on XX/XX/XXXX for a goodwill adjustment. On XX/XX/XXXX, I received a letter back stating the adjustment would not and/or could not be modified or delete the request. I again wrote again to XXXX/Continental Finance Company on XX/XX/XXXX and received a letter back XX/XX/XXXX stating the same exact thing a before, the adjustment would not and/or could not be modified or deleted. I have called several time and spoken with many representatives there and the late payment that is reporting for XX/XX/XXXX could not be verified in the system. I have also emailed the customer service email address trying to rectify this issue.

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 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Last XX/XX/XXXX, I sent this company a dispute letter disputing several items that have been reported incorrectly and notified them what these issues are. To my dismay, upon downloading my credit report today, XX/XX/XXXX, my credit report still shows incorrect information and several missing information. From remarks/comment saying that the account was disputed to inaccurate and incomplete payment history. They are incorrect information as well such as the account opened date and Highest balance. Attached to this complaint is a copy of the letter I sent this company dated 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 2018-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
I received a act 91 notice from seterus, my mortgage servicer. This company is well aware that XXXX  XXXX placed me in a modification problem that ended XXXX 2017.

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 2018-01-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XX/XX/XXXX Ocwen has delay the short sale for the following property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX. I have provided all the documentation since XX/XX/XXXX. There has been 2 full appraisals and 4 BPO. There is a foreclosure date set for XX/XX/XXXX. I believe that Ocwen on purpose is delaying the process so the property can be foreclosed. I have evidence that the short sale department on purpose over looked documentation that was emailed to the short sale department. I emailed and fax 8 pages of evidence to liquidation appeals department including a document showing seller was contributing {$5000.00} to the mortgage Insurance company on XX/XX/XXXX, that same day the file was escalated to the underwriter I called on the XXXX, XX/XX/XXXX and XX/XX/XXXX, on XX/XX/XXXX the agent ID XXXX told me to that the underwriter has all documents it needs and that they will need 48 hours for the approval letter and that by then Friday XX/XX/XXXX would be the latest for the approval letter. At XXXX XXXX this evening I recieved a text from XXXX XXXX XXXX  informing me that an appraisal has been order by Ocwen, more delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: NC

Complaint narrative:
XXXX XXXX determined a loan that they had for me was fraud. Instead of removing it they charged it off told me that i was not responsible however XXXX XXXX picked it up added money to it and is harrassing me claiming to sue me. It is not my debt i am not responsible and it needs to be removed now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 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: NC

Complaint narrative:
XXXX XXXX determined a loan that they had for me was fraud. Instead of removing it they charged it off told me that i was not responsible however XXXX XXXX picked it up added money to it and is harrassing me claiming to sue me. It is not my debt i am not responsible and it needs to be removed now.

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 2018-01-24 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: GA

Complaint narrative:
On XX/XX/2018 I went to use my lowes credit card that was issued through XXXX XXXX and it declined. My credit limit was increased to XXXX roughly 3 months ago. Called lowes and were told that my limit had been dropped to XXXX. How so, I pay on time every month and have never missed a payment. Ive been a loyal customer. Never even received a letter about the decrease. If my balances are too high well that was the case when I got the increase. Racially profiled me is what they have done.

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