vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went shopping at an outlet mall in Florida when I was about XXXX XXXX XXXX. The lady at the cash register who checked me out, offered me the XXXX XXXX Credit Card which would take 20 % -30 % off of my purchase. So I said sure but I still want to pay cash. I got approved for the card and gave her cash ... But I guess she charged the items to the clothes as well. And I had no idea about this. I was a young kid and didn't know anything about credit cards or how they worked at all, I was only XXXX XXXX XXXX. So 2 months later I get some mail saying I have a late payment due, which I had no idea about. So I called the company to try to figure out what was going on and resolve this situation, but they were of no help. I racked up late fees on the account and had to pay an extra {$92.00} for being late. I was only working part time when this was going on so I really couldn't afford the {$170.00} balance and {$92.00} fee or whatever it came out to, I was a broke XXXX XXXX XXXX. I tried to get them to understand where I was coming from, my mistakes, and how I wasn't aware I was late. I was hoping they would reason with me and take the late payments off since I didn't even know they were though, but they didn't. They said I needed to pay in full, and I could not afford to. They would not help me out in anyway, so I had to borrow money from my dad who was not making much money at the time either, just so I could pay off this card. I Paid it in full, and then closed the account to make sure this did not happen again, and because I was very unhappy with XXXX   XXXX Credit Card support, they made me not want to continue business with them ... As you can see this is the only late charge on any of my accounts and my oldest one is over XXXX XXXX XXXX I have paid on time to everything else and have been extremely proud of my credit standing.. Until just recently.. My credit dropped 31 points!! Out of nowhere! On my XXXX Credit Scorecard it says reasons affecting the drop were number of missed payments.. This late payment with XXXX XXXX was back in 2013. Plus, last time they updated my credit report to XXXX was XX/XX/XXXX, XXXX SO this clearly was already on my credit history and reported years ago, but is just now affecting my score?? I think something went wrong, because this was already on my account and shouldn't just now be affecting me.. Sorry for the long message, but I hope you can understand where I am coming 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 2018-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went to open account at XXXX XXXX tried opening online it said congratulations they sent my card I went to bank was gon na make deposit said they closed my account it was on early warning got in contact with Wells Fargo they told me someone opened account under my name Now I cant open bank account never called back never took me off list Now what shall I do XXXX 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 non-monetary relief
Consumer complaint received 2018-01-27 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: EVERBANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning of XX/XX/XXXX all payment went through XXXX XXXX as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XX/XX/XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XX/XX/XXXX or XX/XX/XXXXthey held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially XX/XX/XXXX in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Inquiries XXXX XXXX  Inquiry from XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX Late payments XXXX XXXX on XXXX &XX/XX/XXXX I'm always on time with my payments and if an error has occurred, I make sure to give them a call and correct the situation. That has only happen once but XXXX XXXX corrected that error. Although, XXXX XXXX on my credit report it states I've given two late payments & that effects my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A {$500.00} charge was initiated on the card by XXXX App on XX/XX/XXXX. The merchant promised to deliver 2 {$500.00} gift cards for this amount. The promised delivery date was XX/XX/XXXX. The merchant was contacted multiple times and eventually they promised a refund after the delivery date was missed. I have proof of these contacts. 

After receiving no refund, I opened a dispute on XX/XX/XXXX. According to my billing statement, it looked like the merchant had refunded me manually since the {$500.00} credit did not say anything about a temporary credit. I then canceled the dispute assuming that it was resolved. I contacted Chase via secure message to let them know I am ONLY canceling the dispute under the assumption the merchant has done a refund on their end. This was obviously not the case, and on XX/XX/XXXX Chase rebilled me {$500.00}. 

I contacted Chase on XX/XX/XXXX and was told I needed to fax in a letter to reopen the dispute and get the {$500.00} credited back. I did so the same day. I then contacted Chase on XX/XX/XXXX to check on the status, and Chase informed me they had not received the fax. I was told that I needed to send it again to reopen the dispute. I have confirmation that the fax was submitted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB
State: DE

Complaint narrative:
this was a fraud account opened back 2014 by state farm bank with fraud balance {$5000.00} acct number XXXX this debt was disputed numerous times with creditor and need to be deleted from all credit reports it does not belong to me since i never received any credit cards from this creditor or applied for any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: KY

Complaint narrative:
Wire transfer completed on XX/XX/XXXX from my local bank for {$12000.00} to Coinbase, INC. Coinbase says wires are posted to your account the SAME DAY day if received by XXXX EST, they received my wire at XXXX EST on XX/XX/XXXX. The wire as of today XX/XX/XXXX the funds have not been credit to my Coinbase account. I have emailed the company multiple times only to receive generic responses that do not resolve my lost wire. 

XX/XX/XXXX - I emailed XXXX to say my wire has not been posted. Coinbase responses on XX/XX/XXXX with a generic mass message saying it could take XXXX days from the when the wire was completed ( already over 20 days received ) and have me a link to case # XXXX which says it was specific to my case status but the link takes me to a their general FAQ page. I responded on XX/XX/XXXX to this email asking them to reverse the wire immediately and attached the wire confirmation information my local bank provides to me. No response as of XX/XX/XXXX. 

XX/XX/XXXX - I emailed XXXX asking where my funds are, they sent back a mass response generic message saying it could take several days and if I the wire was not posted in 2 business days reply with case # XXXX. They also gave me a link to follow up on the case but it goes to the general FAQ page, not my specific case. 

XX/XX/XXXX - I relied to XXXX to say my funds were still not in my account. With no response. 

XX/XX/XXXX - Replied again to XXXX saying the funds have not been posted. No reply from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NJ

Complaint narrative:
I am a victim of Identity Theft and I have placed fraud alerts and security freezes with all 3 credit bureaus. I, XXXX XXXX XXXX, did not apply for any NetSpend and / or XXXX product or prepaid card. However, a NetSpend/XXXX was open based on incorrect and a part of my name. Please see attached FTC complaint. I am not sure as to how many more accounts or cards NetSpend/XXXX had approved on this name and / or my information. I have nothing to do with any of these accounts and cards as I did not apply for any of these products and I do not want to bank with your bank. Kindly close all accounts and cards opened with my information and permanently delete all my information on your files and do not solicit me in the future. NetSpend must not open any more accounts / cards or entertain any applications, whatsoever, with any of my information full or partial. NetSpend must close all accounts, remove all my information from its files, not report the account to any external agency, mark the cards / accounts as fraud and notify me as soon as possible. XXXX should delete all my information and must not issue any more product using my information full / partial.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 2018-01-27 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: MOHELA
State: SC

Complaint narrative:
I have had my student loan on a income contingent status I submit my pay stubs and household income and information in 2016 my account was reported as 90- 120 days late I called to inquire about this and was told since I faxed in several pay stubs for the month there was a confusion about the amount I really earned and they calculated me making 3 times the amount of my actual income I thought the account was at a payment of {$0.00} dollars monthly when I was changed to a payment of over {$300.00} dollars a month I was not made aware of this change and when I did realize it and called the company handling my loan they fixed my payments but my account still shows that my account was 90- 120 days late keeping my credit score from increasing. I would like to resolve this and get this delinquency removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
cra violation more than 30days must remove inaccurate stuff that are not mine sent them every thing they need

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 2018-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
this was a fraud account opened back 2014 by XXXX fraud balance {$570.00} acct number XXXX this debt was disputed numerous times with creditor and need to be deleted from all credit reports it does not belong to me since i never received any credit cards from this creditor or applied for any credit.

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 2018-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Inquiries Chase card Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Chase card Inquiry from XX/XX/XXXXLate payments XXXX XXXX onXX/XX/XXXX. & XX/XX/XXXX I'm always on time with my payments and if an error has occurred, I make sure to give them a call and correct the situation. That has only happen once but XXXX XXXX corrected that error. Although, XXXX XXXX on my credit report it states I've given two late payments & that effects my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
cra violation more than 30days must remove inaccurate stuff that are not mine sent them every thing they need

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 2018-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
cra violation more than 30days must remove inaccurate stuff that are not mine sent them every thing they need

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning of 2017 all payment went through XXXX XXXX  as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially 2017 in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information

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 2018-01-27 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: GA

Complaint narrative:
XXXX who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning of 2017 all payment went through XXXX XXXX as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially 2017 in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: GA

Complaint narrative:
Everhome who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the XXXX of 2017 all payment went through XXXX XXXX  as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially 2017 in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information

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