vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
TransUnion is reporting MULTIPLE hard inquiries on my credit report. XX/XX/2018, i sent a letter to the credit bureau asking them to promptly remove these inquires because they are unauthorized, i have gotten no response. I stated that i contacted and sent letters out to the companies who are reporting this fraudulent activity on my report and no response from them as well & still no help from TransUnion. Here are the 25+ Fraudulent inquires that are reporting on my report that i DEMAND removal of : 1. XXXX ( TWICE ) 2. XXXX XXXX 3. XXXX  XXXX 4. XXXX  5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX 8. XXXX XXXX XXXX 9.XXXX  XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX  XXXX 13. XXXX XXXX XXXX 14. XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. 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 2018-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On the XXXX of XXXX I transferred the amount of {$500.00} through chase bank with XXXX to a friend and to date he havent received the money, bank notified me that I might not get back my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Our mortgage was transferred to Santander Bank, N.A. from our original lender two years ago, and for the past two years they have failed to provide us basic documentation with regards to our account. We don't always receive monthly statements and we never received a complete statement outlining the details of the mortgage transfer from our previous lender. We have also repeatedly asked them if we are able to find any of this information via a self-service portal, but they have failed to provide such a service to us. 
Now, we have been fighting with their customer service team for over a month ( since XX/XX/2018 ) just to try to get our XXXX form for taxes which they are legally required to provide to us! It is now XX/XX/XXXX and our accountant can not file our taxes by the XX/XX/XXXX tax deadline due to this missing document! We have spent over 3 hours on the phone with them this morning trying to resolve this issue and they still refuse to provide this document to us in a timely manner. As a mortgage servicer, the XXXX form should be a standard document that they provide all customers. If they can not provide this simple form and other simple documentation to us, then what else are they making errors on?

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 2018-10-12 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: TX

Complaint narrative:
showing inaccurate information that balances are incorrect also showing inquires that are not mine XXXX XXXX  over charging on interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
showing inaccurate information that balances are incorrect also showing inquires that are not mine XXXX XXXX over charging on interest rates

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 2018-10-12 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
showing inaccurate information that balances are incorrect also showing inquires that are not mine gm financial over charging on interest rates

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I have a Bluebird prepaid debit card with American Express. On Tuesday XX/XX/2018 I received an email stating that I needed to verify my account or that it would be deactivated. On Wednesday XX/XX/2018 I had a scheduled direct deposit of my paycheck going to the card, which indeed posted, however only minutes later, someone assumed my account and made 2 unauthorized money transfers to someone named XXXX XXXX. The first was in the amount of {$47.00} ( XXXX ), the 2nd transfer was for {$1000.00} ( XXXX ). This left my family with {$0.00} total - I immediately in less than an hour contacted American Express upon receiving the email notifications of these sent money transfers, however they stated that the money was already gone. They opened the fraud claim investigation. I filed a police report with XXXX XXXX police department in XXXX SC. Friday night XX/XX/18 they emailed me stating that my claim was denied because the transfers were authorized. I insisted and they reopend the investigation, per their own policy they state that they may take up to 45 days to conduct their investigation, however a provisional credit will be issued if it exceeds the 10th day, and that I would have been made aware of the progress being made, and I've heard nor seen anything and the 10th day was on XX/XX/2018. I forwarded them the screen shots of the emails that are still actively coming to me to " verify '' my account as well as gave them information pertaining to where the police report was filed at,.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I have asked them not to contact me at work because I can receive personal calls and they are still calling me at work.

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 2018-10-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA continues to report inaccurate information on my credit report. the past 10+ years my payment history as been 100 % paid on time. USAA decided to report a missed payment when in fact I did pay. They refuse to remove the 30 day late payment. This is false and in turn brought my credit score down 40 points! with companies refusing to loan to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Dyck-O'Neal, Inc.
State: MD

Complaint narrative:
I recently received a writ of execution for my personal residence and personal property for a paid in full mortgage and a debt not owed. ( See attached XXXX XXXXXXXX XXXX documents. In XXXX of 2015, Dyck-O'Neal 's attorney debt collector filed a writ of execution for unoccupied, unencumbered Real Property but failed to pay the Sheriff to finalize and collect his judgment. Now, instead of refilling his writ of execution for the previous, unencumbered and unoccupied, real property worth far more than its illegal judgment, XXXX 's counsel has decided to harass and attempt to forcibly take our occupied home where I take care of my ill mother solely to harass, abuse, and extort money not owed. Our personal residence has two mortgages which encumber or secure the property for the amount it is worth placing mortgagees, including XXXX XXXXXXXX XXXX, XXXX, in jeopardy to an illegal debt collector extorting us for money owed. I have sent an offer again to the illegal debt collector 's counsel for clear and free, unencumbered unoccupied, real property or raw land, previously sought by writ by the illegal debt collector 's counsel, but the attorneys will NOT respond to any messages to settle the illegal debt for money not owed using my unencumbered and unoccupied real property previously sought by the illegal debt collector 's counsel for money not owed. How do I stop the insidious harassment of attorneys who will NOT stop threatening us because we reported their crimes of using fraud to extort money not owed? Failing to act on the original writ, causing three ( 3 ) more years of interest to add up on the illegal judgment, is another crime of abuse, harassment, and extortion for money not owed. In 2015, I filed a Quash for the property writ, in opposition Dyck demanded I give alternate property to the sheriff and therefore I was Denied. At that point, Dyck was able to collect its illegal judgment for money not owed but failed to do so by not paying the sheriff and allowing the writ to expire. The Sheriff said Dyck 's Counsel " NEVER showed up to pay for the Writ of Execution ''. It is illegal to harass us by now choosing our residence which fully encumbered, serving as security for two loans, one mortgage from XXXX XXXXXXXX XXXX and another private promissory note, while I have unencumbered and unoccupied real property, raw land in the same county, worth far more in value than the illegal judgment? I would appreciate a response to the pressing issue of abuse, harassment, and extortion for money not owed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fay Servicing, LLC
State: NE

Complaint narrative:
I divorced in XXXX, walked away from previous home. In the divorce decree, The ex was suppose refinance home in her name.. The loan of home was in my name ( only ). divorce was final XX/XX/XXXX. XXXX XXXX I was informed that said home had been included in Bankruptcy of XXXX. I had no clue this had happen, but didn't think to much about it, due to the fact I didn't live there an that it was responsibility of ex-wife supposedly!!! Since said time, home is now with second debt collections company, ex never refinanced and debt collections company is using Me as previous owner, collecting money from her to live there and reporting all of this info to credit bureaus, which is illegal I thought because of Bankruptcy law. I've even had conversation about this with debt collections to no avail. I even disputed credit reports with no avail. I have also spoken to different lawyers trying get this matter resolved only to get the run around. What good are laws if debt collections can use Bankruptcy laws against me in this situation, and credit bureau 's seem to side with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We have an XXXX XXXX card issued by Chase Bank. We paid the statement balance on this card on XXXX. It was posted to my XXXX XXXX XXXX   account on XXXX. The balance available has still not been reflected by Chase. When I called Chase they informed me that all payments over 50 % of the credit limit will be held for up to 15 days even though they have posted the payment to the account. This doesn't make any sense. No other credit card we have does this. This appears to be a systematic mechanism to make card holders pay less on their accounts and for Chase to make money on interest. This needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This account was opened after the company originally closed my original account after investigating that a representative did inform me it would not be closed. Now, with this account I went over the credit limit in XX/XX/2018, I called to rectify the situation and asked why there was a hold on my account that representative informed me it's nothing to worry about. I inquired if my account was closed he stated NO. That same week my account was closed. I filed a XXXX   complaint and the rude rep. stated it was my fault and nothing can be done. I fell behind on payments due to being treated rudely and being provided false information. I was offered a lower payment online and accepted, yet it somehow did not go through. I called the company in XXXX, XXXX, XXXX and XXXX. Each time got conflicting information. I made a payment in XXXX and I asked the rep. if it would be shown as a payment for that month and they stated YES. Well, it was not. The company stated it wasn't the minimum due, I filed another XXXX complaint asking a supervisor to pull all calls and provide me a transcript. That was denied. One rep called me and when I called back never returned my call. I was told first and foremost my account would NOT be closed yet it was. I made a payment to defer a charge off and was assured by the rep. though it isnt the full minimum they work for what fits my budget. Yet, it's being spinned in a whole other direction. They violate fair business practices and need to do a full investigation on my account which will show dates I logged in to set up payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, This company placed hard inquiries on my XXXX credit report without my consent. I applied for a pay day loan which is not a credit application, and does not require such a credit inquiry. I have attempted contacting the company ( Check n Go/ Axcess Financial ) to request they remove these hard inquiries as I did not authorize them and they are not cooperating. Below are the 3 inquires I am disputing, thank you.

Axcess Finan Inquiry from XX/XX/2018 Axcess Finan Inquiry from XX/XX/2018 Axcess Finan Inquiry from XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" " '' I have disputed this charge off on this XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: FL

Complaint narrative:
THIS IS NOT A DUPLICATE TRANSUNION IS NOT LOOKING AT THE INFORMATION PROVIDED THEY MARKED IT AS DUPLICATE THIS IS WRONG. XXXX is past the statue of limitations and for whatever reason they keep reporting the account and wrong information. I have attached proof from XXXX showing the last payment date was back in 2011 and it should not be on my credit file

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 2018-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I made a deposit from a bank account into my Coinbase account. On the confirmation screen ( before clicking submit ) it said specifically that my funds would be available within " 48 hours '' to withdraw. Therefore, I proceeded to submit.

After the funds were confirmed to be available in my Coinbase account ( the next day ), the Coinbase web site proceeded to tell me that my {$250.00} deposit would not be available for " 27 days. '' Not only are they freezing / holding my funds for no reason, but it's very different than the availability that I AGREED TO before clicking submit.

This is unacceptable to me. I reached out to Coinbase via support e-mail. They seem rather uncaring. I was told that it would be forwarded to a specialist and may or may not be resolved. It's been three days now. There is no follow-up and no resolution.

I am looking forward to having this resolved as soon as possible, as well as an apology from Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 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: FL

Complaint narrative:
I submitted a dispute with Equifax via mail regarding account name : XXXX XXXX   XXXX XXXX, account # XXXX ( see attachment. ) I received the results of reinvestigation dated XX/XX/XXXX ( see attachment. ) Upon review of the results of reinvestigation, there is a major inaccuracy. The date of 1st delinquency of XX/XX/XXXX is incorrect. Upon pulling a previous Equifax file from XX/XX/XXXX, confirmation # XXXX, the account showed a date of first delinquency of XX/XX/XXXX ( See attachment. ) This is a 13 month discrepancy. Therefore, the creditor is " re-aging '' information and reporting inaccurate information.This is a violation of the Fair Credit Reporting Act ( FCRA. ) Furthermore, Equifax has verified this as accurate information which is inaccurate. Since the date of 1st delinquency is XX/XX/XXXX, this item should be removed seven years from that date. In this case, the account should fall off from my Equifax credit file on XX/XX/XXXX. Please refer to the attachments with the inaccuracy directly from Equifax reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received a {$100.00} Mastercard gift card in XX/XX/XXXX for the amount of {$100.00}. The card was in its original packaging and had never been opened. The bank issuer of the card is XXXX XXXX XXXX XXXX. When I attempted to use the card at a grocery store it was declined. Upon calling the XXXX Customer Service number on the card I was told the card had been XXXX   out by {$2.00} charges per month commencing one year after the card had been purchased, which was XX/XX/XXXX. The outside packaging does not state these expenses will occur after the first year of card purchase. Rather this information is contained in the " Cardholder Agreement '' document inside the packaging. The printing on the packaging states the card is " valid thru XX/XX/XXXX '' and that it has " no value until paid for and activated at register ''. The outside instructions do not explain the purchase of the card activates the card. " Activating '' the card could be interpreted as when the receiver of the card begins to use it. This again is explained in the " Cardholder Agreement '' inside the sealed gift card package. I attempted to contact XXXX XXXX XXXX XXXX by telephone but could only reach call centers, even when I called the XXXX for XXXX XXXX  XXXX XXXX directly. I then mailed XXXX XXXX XXXX XXXX a registered letter on XX/XX/XXXX to request they reinstate the value of the gift card back to {$100.00}. I never received a response. I included my address, telephone number and email address in my letter. I also left a message with the call center contact person requesting a reinstatement of the card to its original value but did not receive a response.

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