vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 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: HI

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Please remove these inquiries as these are suspicious to me : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
They are harassing me and talking to me really out of order. You can't try to work with someone with their payments and talk to them crazy. Not good customer service. When I mentioned this to the guy he stated that he wasn't customer service. So, what category does your job description fall under? because when you define customer service they Cashiers, salespeople, management and billing departments are examples of customer service jobs in a retail setting. The hospitality industry is similarly reliant on customer service employees to maintain their reputation. This obviously a billing department because they are calling about a payment towards a bill. I tired to tell them that I was on XXXX  leave and this is why I wasn't able to make the last 4 payments. I had advice them all my credit cards were being consolidated by an company and they would be reaching out to them and would be making the payment as soon as I was back on my feet from being on XXXX  leave. I am single mother trying to handle everything properly. They have threaten me with police and attorneys. They called me today talking about they have been calling me 19 times ; today was the first time since XX/XX/2019 so, if they have been reaching out they had the incorrect number. You cant be willing to working with someone and threating them with a third party etc. And wouldn't even explain to me who the third party was after I asked. This situation should be handled in a different manner from Comenity bank none of my other credit card companies talk to me like the way they do. They are very disrespectful!!!!! A lot things go through my head are they talking to me like due to my race!? are they talking to everyone like this!? It's just out of order to me when I never get nasty with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
The particular company ran unauthorized credit inquiry on my credit report. Please remove as this is suspicious to me : XXXX XXXX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: NY

Complaint narrative:
I have paid down all my credit cards on XX/XX/XXXX and my credit card companies have sent an update to XXXX, XXXX, and Equifax but they have still not posted the update to their reports - I have called each one and have asked them to update but they make me go through the process of doing a dispute rather than just publishing the new information. I need them to update it as I have to raise my score as much as possible to get a mortgage. I have even had the credit companies send letter to them - attached are copies of the letters

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: HI

Complaint narrative:
The particular company ran unauthorized credit inquiry on my credit report. Please remove as this is suspicious to me : 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 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion reported in CFPB complaint ID XXXX Closed Marked as a duplicate complaint on XX/XX/2019. Closure is corrupt because not resolved, for more than 1 year, the attached 37 issues and I can not temp remove credit freeze. Please immediately email XXXX all 37 resolutions or removal from your now corrupt credit file of me and immediate temporary, say 48 hours, lifting of credit freeze. All attachments are critical. 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 2019-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I participated in a balance transfer promotion offered by my Chase credit card, in the amount of {$7300.00}. This balance was to be interest-free until XX/XX/XXXX, separate from any other purchase balances I incurred thereafter. 

Over the course of the subsequent cycle, I separately had purchases and matching returns at XXXX and XXXX XXXX in substantial amounts. Specifically, in the XX/XX/XXXX statement, I had {$5300.00} in return credits from these merchants, that should have been matched up to net against prior posted charges from these merchants XXXX which would have been part of my current balance at that time ). 

However, it appears that Chase has chosen to disregard the already posted charges from these merchants, because they were not yet included in a *closing-statement* balance, and regard the credits from these same merchants as " payments '', which when applied to the *prior* statement balance, was considered an excess payment and therefore a reduction of my promotional balance. When the now un-netted charge from these merchants was left without its corresponding credit on the closing statement, the result is a ballooning of my " purchase '' balance, subject to a 18.24 % rate, despite the fact that I made no or minimal net purchases ( I typically do not carry a balance, outside of the promotional balance ). 

As of the current statement, the balances in these 2 categories have essentially reversed, I now have a purchase balance of {$7200.00}, and a promotional balance of just {$1300.00}, again, despite the fact that I did not make net purchases in anywhere near that magnitude in the cycle, nor did I make net payments of several XXXX dollars. 

In a simple case, if Chase 's behavior is permitted to stand, if I have {$10000.00} in non-interest accruing promotional balance, but buy and and return an item for {$5000.00} *within* a given billing period, the merchant 's credit will immediately deduct from the promotional balance as an " over-payment '' based on the last closing statement balance, and by the next statement, I will have a promotional balance of {$5000.00} and a purchase balance ( accruing at 18 % ) of {$5000.00}. Essentially, a purchase and return need to occur in different billing cycles to *not* reduce a promotional balance. 

I find this absurd, deceptive, and likely a purposeful attempt to circumvent the spirit of the Credit CARD Act of 2009. A purchase and matching credit from a merchant is not a " payment '', and separating them in this way to opaquely increase the bank 's fees, when clearly I intended to keep my promotional balance untouched ( I had taken out the promotional balance just 2 months prior with 10 months in the interest-free term remaining ), is outrageous and hopefully subject to sanction by the CFPB. 

Many thanks for your time and attention. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Irs called twice and told me someone is using my identity in Texas and have three houses where drugs were found and a trucking mechanic business had something to do with it there also. Saying I have three different bank accounts opened over there but dont even live never even been there in my life only at XXXX XXXX XXXX XXXX The last time on the second call after telling them they called about it and said they were going to find the criminal and seize my social to protect my identity while they catch the person falsifying my accounts and pulling out loans. The police showed up there and no one was found at the three houses but clothes and things I guess as if someone was there supposedly but told them my info and verified myself and the second time they called they just hung up as soon as I told them the same thing but I told them you already called me about this and had said it was getting fixed so I can re use my social security but on the second call they hung up and never called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
The short sale documents were sent on XX/XX/2019 and right away the POC XXXX XXXX said that she can not accept the settlement statement with {$83.00}, XXXX. So we advised her that we are going to dispute value, however, she referred us to the Appraisal company, so we contacted the Appraisal company but then they referred us to HUD and HUD referred us back to the Fifth Third Bank. So we got back to Fifth Third Bank and they then assisted us regarding the Value Dispute. 5 days were wasted because of the misinformation. Only then on XX/XX/2019 that we received a decision from the appraiser that he is not changing his value. 
And now, the short sale documents are still being reviewed and can not give an ETA. 
We are about to lose the buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
Dear CFPB I am an XXXX XXXX from XXXX who came to the United States to achieve a XXXX  XXXX as my initial plan. Now I am XXXX fXXXX at XXXX University, MD. 

I made my first payment for Bitcoin at Coinbase on XX/XX/XXXX and then around 30 more payments until the last payment on XX/XX/XXXX. I also bought Ethereum and Litecoin. 

I have verified my account with Coinbase such as uploading my driver license, connect with my bank account at XXXX  XXXX XXXX. At this time, I can fully control my account like send, withdraw, sell to USD. 

Importantly, my strategy is that I am a holder who buys and stores for a very long time like 5 years later, so I do not trade, buy and sell frequently. I just buy and hold. I do not check my account frequently. 

Then when the price of Bitcoin goes uptrend from XXXX to around XXXX this year in XXXX, I go check my account and Coinbase block me from fully control it. I can not withdraw, send to my hard wallet, software wallet as well. Coinbase asks me to verify my account again with Social Security Number ( SSN ). However, at the first time when I buy Bitcoin on Coinbase, Coinbase does not require me to have SSN or ITIN. At this time, I still can transfer my cryptocurrencies and fully control my account. 

I am just an XXXX XXXX who does not work, I just XXXX in the U.S for XXXX. So that I dont allow to have SSN or ITIN because I do not have the income to pay for the tax. I just buy it and hold for a very long time. I also have proof of document for my ineligibility to have an SSN from SSN Administration. 

Now Coinbase blocks me from using my coins. I believe in Coinbase and happy to pay a fee every time I bought coins as a loyal customer. This is very not fair for me if all my cryptocurrency being blocked from using which is bought from my own money. 

In addition, Coinbase did not send me any warning to my email or phone number that they change the policy for international students or customer who does not have SSN or ITIN so I can withdraw before they change it. 

I only have a valid driver license, XXXX XXXX for XXXX  XXXX, XXXX University  student id card, valid XXXX, valid XXXX and bank account from XXXX  XXXX XXXX. 

Thank you CFPB admin for concerning my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have paid down all my credit cards on XX/XX/XXXX and my credit card companies have sent an update to Transunion, XXXX, and XXXX   but they have still not posted the update to their reports - I have called each one and have asked them to update but they make me go through the process of doing a dispute rather than just publishing the new information. I need them to update it as I have to raise my score as much as possible to get a mortgage. I have even had the credit companies send letter to them - attached are copies of the letters

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 2019-08-06 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: NY

Complaint narrative:
I have paid down all my credit cards on XX/XX/XXXX and my credit card companies have sent an update to XXXX, Experian, and XXXX  but they have still not posted the update to their reports - I have called each one and have asked them to update but they make me go through the process of doing a dispute rather than just publishing the new information. I need them to update it as I have to raise my score as much as possible to get a mortgage. I have even had the credit companies send letter to them - attached are copies of the letters

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 2019-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have received multiple calls per day, every day, with no voice messages left from Portfolio Recovery Services. I have e-mailed them ( PRACustomerCare@portfoliorecovery.com ) two separate requests asking that all calls to my cellphone be ceased and that all business they may have with me be handled through standard US mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 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:
After reviewing my credit report I noticed several fraudulent accounts.

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 2019-08-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
At the end of my lease with infiniti, I went into a new lease with them. The dealership waived my last payment and I have had my new car for 15+ months. The outstanding last payment of {$430.00} that was waived by the dealership through infiniti financial services has not been updated as closed and is still showing as an open balance. Ive tried to resolve this through them and they have not helped at all. This is my last attempt to have it removed before my attorney becomes involved for falsely reporting this outstanding balance for more than a year. My brother was a co-signer on this lease and its causing him harm as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Danco Financial Services, LLC
State: GA

Complaint narrative:
This not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On multiple occasions Chase has waited to debit smaller transactions from my account until a rent check has overdrawn the account so multiple overdraft fees can be charged. For example, they waited to post 4 transactions, that showed as debited from the account but pending, until my {$1500.00} rent check cleared on XX/XX/19. After the check cleared the 4 transactions posted and the charges me the maximum 3 overdraft fees. They have 3 more waiting to post and historically these transactions have not remained in pending for multiple days but there is a pattern of Chase clearing debits to charge fees. This happened last month as well when they hit my account for over 10 overdraft fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06 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: NY

Complaint narrative:
At the end of my lease with XXXX, I went into a new lease with them. The dealership waived my last payment and I have had my new car for 15+ months. The outstanding last payment of {$430.00} that was waived by the dealership through XXXX XXXX XXXX has not been updated as closed and is still showing as an open balance. Ive tried to resolve this through them and they have not helped at all. This is my last attempt to have it removed before my attorney becomes involved for falsely reporting this outstanding balance for more than a year. My brother was a co-signer on this lease and its causing him harm as well.

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 2019-08-06 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: FL

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. These are suspicious and needs to be deleted asap : XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Automotive Services Finance, Inc.
State: GA

Complaint narrative:
This account is still on my credit and should be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: FL

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. These are suspicious and needs to be deleted asap : XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX - XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXL, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation