vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has negative remarks on my credit report that are inaccurate and recently sent documents that are fraudulent. The statements have wrong addresses and documents that look altered. I would like XXXX XXXX XXXX XXXX to provide me with the Deed ( contractual ) Mortgage to prove I applied for a mortgage with this company not address or name verification but contractual agreements for a loan.

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 2017-12-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has negative remarks on my credit report that are inaccurate and recently sent documents that are fraudulent. The statements have wrong addresses and documents that look altered. I would like XXXX XXXX XXXX XXXX to provide me with the Deed ( contractual ) Mortgage to prove I applied for a mortgage with this company not address or name verification but contractual agreements for a loan.

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 2017-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
This is a follow up to Complaint ID No : XXXX. I made a complaint about SunTrust bank and the unduly charging of fees. Part of this complaint was also that I requested that my account be closed as I wanted no further dealings with this bank. The request was made written and verbally on XX/XX/2017. The bank immediately closed my savings account however to date, are refusing to close the checking account. They are stating that there is a balance owed. I agreed and requested that they close the account and send an invoice for payment for the balance owed. I would in turn make payment on that balance within 5 business days. The bank has refused to close the account. I was told that the account would be locked from activity. This also did not happen. They have allowed transactions on this account in an effort to again extort fees. I was told by one representative that if the account was closed that it would be sent to collections. I advised them to do exactly that and I would pay the invoice sent by collections company. This has not happened. I absolutely refuse to do business with SunTrust and I have told them this on the many occasions that I have requested that this account be closed. I am now reaching out in an effort to get this account closed so that all ties can be severed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-12 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Late Payments are reported on my Navient Account for months in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and in the year XX/XX/XXXX in XX/XX/XXXX. The entire time this account with another company and in forebearance for all ofXX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Navient bought this account in XX/XX/XXXX so  how they be reporting lates from XX/XX/XXXXand early XX/XX/XXXX? I asked the credit bureaus for verification as well as Navient and not response. 

This is an error and a violation of the FCRA. I have made every payment ontime to Navient since they took over. 

Please remove these erroneous late payments kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted Experian via Credit Check total 2 months ago to cancel my free trial membership and was told I would not be charged anything. On Friday the XX/XX/XXXX my card was charged for 2 months while I was out of town on a family vacation. I have called everyday since then and spent hours on hold and cant get through to anyone. I have also emailed asking for help. I want my money back. My account # is 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 2017-12-12 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
inquiry not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NJ

Complaint narrative:
XX/XX/XXXX, received NetSpend Visa Prepaid Card as a gift XX/XX/XXXX,  contacted company to activate card. After going through the long process to activate, I was told that if I used the card as a " debt '' which I would have to, they would charge me {$2.00} for putting my pin into the machine. If I used the card with a " signature '' which I did not understand since you have to put a pin in for a debt card I would be charged {$1.00}. So this {$20.00} gift I received would only be worth {$18.00} or {$19.00} dollars. My benefactor had to pay {$2.00} to purchase the card and then I would not get the full benefit of her gift because the company would be taking fees. I told the company that I wanted the {$20.00} and they said they could send me a check in 7 to 10 business days. 
XX/XX/XXXX, I contacted the Department of Banking and Insurance in New Jersey and was told I have to contact the Federal Trade Commission and I asked for a telephone number. The number I was given was for a drug crisis center. Thanks, New Jersey. 
XX/XX/XXXX, I contacted the CFPB and was treated with respect and kindness. Thank you CFPB.

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 2017-12-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Late Payments are reported on my XXXX Account for months in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and in the year XX/XX/XXXX in XX/XX/XXXX. The entire time this account with another company and in forebearance for all of XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. XXXX bought this account in XX/XX/XXXX so how they be reporting lates from XX/XX/XXXX and early XX/XX/XXXX? I asked the credit bureaus for verification as well as XXXX and not response. 

This is an error and a violation of the FCRA. I have made every payment ontime to XXXX since they took over. 

Please remove these erroneous late payments kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received an credit offer from Fifth Third Bank at zero interest good through XX/XX/XXXX and on XX/XX/XXXX I went to my Bank and accepted the offer.

Since accepting the offer I have to go into the bank and have them reverse the interest charges and they ca n't seem to resolve the issue and I 've spent countless hours trying to resolve the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted Transunion on XX/XX/XXXX and XX/XX/XXXX via USPS certified mail. There are four accounts listed as charge-off on my credit report which are n't mine. As listed on report : XXXX-XXXX ...., XXXX- XXXX ...., XXXX XXXX XXXX-XXXX ...., XXXX XXXX- XXXX .... Transunion has ignored my request for validation and continues to send updated credit reports with " Information on this item has been updated. Please review your report for the details. '' In my letter I specifically asked for documentation bearing my signature and I do n't consent to e-Oscar or any sort of automated verification. Again Transunion failed to comply with FCRA section 611 ( a ) ( 1 ) ( A ) and is continuing to further damage my ability to secure credit. Transunion has allowed incorrect accounts to be reported on my credit report and I want them to remove it. I do n't understand how the information is verified due to incomplete account numbers listed on my credit report. I 've had no success with the direct creditors because of this missing information. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused.

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 2017-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
On XXXX XXXX, 2017, contacted First Citizen Bank. Checks were ordered but I had not received them. Spoke to customer service with no results. I was even told that the order might not have been placed ... Nonetheless, when I looked on my account the bank had taken {$1.00} ( XXXX XXXX ) from my account. When I made an inquiry in reference to this, I was told that I had to pay this fee for there service. I have had this account for over 3 ( three years ). Never charged for any info until now. So if I need any assistance from this bank, I will be charged??? Insult to injury because I could n't even order checks online because they would n't accept the routing number ... so you figure it out. I am terribly disappointed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-12 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
inquiry not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
inquiry not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have already filed a complaint against Navy Federal for the amount of the loan balance they put on my credit report. This complaint is for the how they said they would set up a payment plan with me and instead repossessed my car a week later after I did exactly what they asked and stayed in contact with them. I was not told my car would be repossessed and was under the impression they were going to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Hi, I 'm XXXX but i 'm a customer of a US-based company, so i contact you. 

I 'm a customer of Coinbase, a crypto-currencies wallet company. I sold BTCs the Saturday, XX/XX/XXXX off the blockchain ( direct trade between Coinbase and me ), the BTCs were instantly taken out from my BTC Wallet but Coinbase is tiding up my money since 3 days as they DID NOT added the amount to my EUR Wallet ( euros wallet ). The transaction is still pending while marked as " ARRIVES SATURDAY XX/XX/XXXX '' ( see screeenshots attached ). We 're the XX/XX/XXXX. As each transaction is, i think, not confirmed manually, it means Coinbase is retaining my money on purpose. This is a fraud. 
It is unacceptable for a US-based company and i 'm sure the authorities are doing their work fine. That 's why i 'm adding my complaint to, i think, plenty others. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
inquiry were not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Over the weekend over XX/XX/XXXX-XX/XX/XXXX there was funds present in my Chase bank account ending XX/XX/XXXX XXXX with about {$7.00} in my band account and making a single insufficient funds transfer of {$34.00} when i wole up at XXXX XX/XX/XXXX My bank account with a negative balance of {$360.00} for 6 consecutive {$34.00} insufficient funds fees that were transactions I had made with funds in my account when I called Chase they keep telling me they do not understand me ... all I want is my money back as I had made those transactions correctly and with funds present in my business checking account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
To whom it may concern. 

I have a loan for {$650.00} with BigPicture Loans taken out XX/XX/XXXX. I have paid a total of eight payments at {$130.00} twice a week, which has total to {$1000.00} as of XX/XX/XXXX almost double of what the loan was for. What I was n't aware of was the high interest rate charge 475.2292 % yearly rate. I did n't get this information until I received the loan. I understand I did received the loan and I have been paying it, but at a rate like that. I will end up paying them almost 3000.00 dollars for XXXX dollar loan. I feel I have been mislead and taken advantage of because of this rate. I call to get a payoff and got the run around and was told the balance was still XXXX after the XXXX of payments already paid the actually pay off date is XX/XX/XXXX. I ask for manager and was told someone will get back to me. This company is totally taking advantage of the consumers with these outrages rates and terms. I will contact a lawyer and fight this all the way, but BigPicture loans have been paid enough plus interest.I believe BigPicture Loans are not even license to do business in state of Georgia. I will be writing my councilman and the better business bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Additional details and documentation attached ... 

Approximately 10 months in on a 30 year FIXED rate mortgage. The loan servicer " Ocwen Loan Servicing, LLC ''. Has informed us that they are changing / increasing the amount of our Principle & Interest payment??? 

Although a minor increase. We were informed from the start that a 30 year fixed rate mortgage is exactly that - Fixed!!! This is NOT an escrow issue ... They are increasing our interest payment. 

We feel this may be the tip of the ice burg! Ocwen services millions of loans and may have been doing this for years to millions of other borrowers! 

XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I let my boyfriend make a payment from my acct for his vehicle and due to his bankruptcy following month he cancellwd his payment arraignment with GM financial and turned the car over to GM. GM didnt cancel the payment and day they took car they withdrew pmnt from my acct which only money that comes into acct is my federal XXXX pmnt and daughters money. I tried speaking with them they refused to return and my bank tried to refuse payment when it occurred but couldnt. Ive tried to discuss with them but they tell me i have no relation to acct and hang up on me yet they withdrew funds from my acct that has only my XXXX dsposit. Very rude unable to discuss with them. Told me bring my BF to court then?!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: LendUp Loans LLC
State: GA

Complaint narrative:
inquiry were not removed

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 2017-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I sent a fax to Dovenmuehle Mortgage XXXX XXXX XXXX on XXXX XXXX, XXXX to request for a loan recast and removal/cancellation of mortgage insurance. I then spoke to XXXX XXXX on XXXX XXXX, XXXX. Shockingly, XXXX XXXX only addressed my recast request in her letter dated XXXX XXXX, XXXX. I finally obtained an unsigned letter from Dovenmuehle Mortgage about the request to remove the mortgage insurance. I needed clarifications and my wife and I sat down for two hours on Monday, XXXX XXXX, XXXX from XXXX XXXX. In two hours we put in nearly 6 calls and waited on Dovenmuehle Mortgages customer service line for over one hour. We requested for the name and phone number of an office with responsibility for mortgage insurance removal ( as outlined in the Consumer Financial Protection Bureau regulations ), but were told that Dovenmuehle Mortgage does not have any such designated officer. We spoke to XXXX ( XXXX ), XXXX, XXXX ( XXXX ), who said she is a XXXX and XXXX XXXX, who introduced himself as a XXXX. XXXX ( XXXX ) dropped the phone on me and XXXX XXXX was just not willing to do anything and refused to provide any fax number where I can send in a detailed letter outlining how I wish to have the check I am sending applied. Dovenmuehle Mortgage is a disjointed, customer service floor with no one with direct responsibility to provide key services to customers. Dovenmuehle Mortgage should be made to have officers put their names and contact phone numbers on letters sent to customers. I have had to call this company several times and have to be on the line/phone for hours. The culture at Dovenmuehle Mortgage is horrible and the service is horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: GA

Complaint narrative:
In early XXXX, I told whoever was calling me from Portfolio recovery to stop calling me and to cease and desist all phone calls. I have since received 3 phone calls per week since asking them to do this. They then told me on a call I picked up that they ca n't cease and desist all calls and I pointed out they were in violation of the FDCPA due to the harassment statute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12 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: CORELOGIC INC
State: FL

Complaint narrative:
I do not even remember this creditor and how it got on my credit reports. It may just be a financing company of which was applied and never got removed off my credit. I hope this gets resolved. 


There Contact Info : XXXX XXXX, CA 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 2017-12-12 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: DISCOVER BANK
State: FL

Complaint narrative:
It seems that I have an inquiry from your company and Im looking to get more information because I never applied for anything and Im trying to figure out why and where would this inquiry come from. I am unaware of the inquiry. I have been a victim of identity theft and I have suffered from the credit breach. I would like to get to the bottom of this and I am working with an investigator. I have contacted FTC including filing a complaint, and leaning towards taking legal actions against the credit bureau and creditor for not contacting me in a situation where someone is using my credit without my consent, which is a violation of severs sections in The Fair Credit Act sections 609, 611, 604, 605. 

Inaccurate : Discover Bank

Company response to consumer: Closed with explanation