vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX credit insists on not offering an option to autoay how the customer would like, be it minimum balance or other amount? No such feature exists to its customers? In this day and age this feature should be commonplace. Instead XXXX would rather trap the customers into perhaps missing a payment on their due date when all along a simple auto pay feature would mitigate this issue. Other credit card companies can navigate this, why not XXXX? XXXX only offers setting scheduled payments out one month. This requires the customer to log into their account monthly and set up a new payment. That solution is ridiculous. If I can auto pay my mortgage and numerous other credit cards, utilities and any other loans with an auto pay feature there is no good reason that XXXX should exclude this option to their customers. This lack of flexible payment option ( s ) ( ie auto pay ) only benefits them by preying on customers so late charges may be charged when the customer misses a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am SERIOUSLY being harassed by CapitalOne. I have had a credit card with them for years. I changed my phone number almost a year ago and tried going online to report this during the summer of XXXX. I have called CapitalOne to tell them of the change and they have locked out my account and classified my account under fraud. I have called them back, including tonight, XX/XX/XXXX, to request the pay off total to close the account altogether. Despite providing CapitalOne my account number, social security number, bank account information where my payments come from, they REFUSE to provide me with any information. I can't get my pay off total using their online services or from the idiots they employee over the phone. 

I have made ALL of my payments to CapitalOne and don't believe I have ever been late. I am a XXXX good customer and they should be thanking me for using them. I am XXXX years old and believe I am being harassed by CapitalOne with continuous hassles. I AM IN A PROTECTED CLASS AND NEED TO BE ASSISTED WITH CAPITAL ONE PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was looking at my credit report and I seen accounts and addresses that I never lived at. I have never lived in XXXX GA. There were several phone numbers that are not mine. Someone has open accounts for cellphone and cable bills. I do not recognize any of these companies : 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. I was looking into a home purchase when I discovered the account above. I have filed a report with the Consumer Financial Protection Bureau and Federal Trade Commission.

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 2019-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
Coinbase has several wallet types and they accept different crypto tokens. They have terms saying that it is important not to send crypto from a token from one wallet or exchange into a wallet or token different then the one you are sending from. In my case, I sent a token called XXXX to the coinbase BTC wallet. This transaction was allowed to go through however because the wrong token type was sent, the funds did not show up in my account. I understand their terms however they do have the ability with the private keys to reverse this transaction. There are complaints all over the internet. Im not certain of this but I assume they are essentially keeping the incorrectly sent funds. In my case it was {$7000.00} that I can not receive but they have. That doesnt make sense. This type of transaction should not be able to processed if it can not be received. I hope to fine resolution to this but Im doubtful. They are capitalizing off of peoples honest mistakes. Please help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: OH

Complaint narrative:
I was looking at my credit report and I seen accounts and addresses that I never lived at. I have never lived in XXXX GA. There were several phone numbers that are not mine. Someone has open accounts for cellphone and cable bills. I do not recognize any of these companies : 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. I was looking into a home purchase when I discovered the account above. I have filed a report with the Consumer Financial Protection Bureau and Federal Trade Commission.

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 2019-01-02 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: OH

Complaint narrative:
I was looking at my credit report and I seen accounts and addresses that I never lived at. I have never lived in XXXX GA. There were several phone numbers that are not mine. Someone has open accounts for cellphone and cable bills. I do not recognize any of these companies : 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. I was looking into a home purchase when I discovered the account above. I have filed a report with the Consumer Financial Protection Bureau and Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is G XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYER IS XXXX XXXX XXXX. 
I have addresses on my credit report that do not belong to me please delete the the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following numbers are not my please delete them ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXXXXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYER IS XXXX XXXXXXXX XXXX. 
I have addresses on my credit report that do not belong to me please delete the the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following numbers are not my please delete them ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYER IS XXXX XXXXXXXX XXXX. 
I have addresses on my credit report that do not belong to me please delete the the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following numbers are not my please delete them ( 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

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 2019-01-02 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: MI

Complaint narrative:
I dont recognize those inquiries : 1- XXXX XXXX XXXX ( National credit card/Airlines ) on XX/XX/XXXX. 

2- XXXX XXXX on XX/XX/XXXX. 

3- XXXX on XX/XX/XXXX. 

4- XXXX on XX/XX/XXXX. 

5 XXXXXXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: FL

Complaint narrative:
don't not recognize inquires remove within 15 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: STATE FARM BANK, FSB
State: FL

Complaint narrative:
don't not recognize inquires remove within 15 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
To Whom it may concern, I received a letter from Penfed stating that they will be changing me interest rate from 3.99 % as agreed upon in the contract to 14 % which I don't see in the truth in lending disclosure document that was signed. There changing the payments from {$770.00} to {$980.00}. Which is an {$11000.00} increase in finance charges to the life of the remaining 5 year loan. Mind you none of this stated on the truth in lending disclosure statement. There claim to this abusive charge is that I failed provide a title for the collateral. In Florida the title is electronic as stated on the Application for Vehicle Certificate of Title. Which was included in the paper work sent to Penfed. Upon the purchase on the registration of the vehicle I had Penfed Credit Union as the Lean holder which is stated on the Application for Vehicle Certification. I don't feel this fair nor even legal. I have attached all the paperwork that has been referenced. You may also contact the State of Florida to verify what is on the title. Penfed is acting in bad faith by attempting to add {$11000.00} in financing charges for something that they do already have as collateral as stated by the State of Florida. I look forward in your help to this matter. 

Best Regards, 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 monetary relief
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: NC

Complaint narrative:
My home was damaged during Hurricane Florence. My mortgage company servicer XXXX decided to progress monitor my claim. This required me to endorse all checks to them. After finally getting the insurance company to approve the damages and finding a contractor that was willingly to work with me and meet the requirements that the mortgage company servicer set forth, the work began on my house XX/XX/XXXX. The mortgage company servicer stated that before work began I would be sent 25 % of funds to pay the contractor. An additional 25 % would be paid when the contractor was at 50 % completion of repairs and the remaining 50 % when the work was completed. I requested the inspector to come out to inspect the property on XX/XX/XXXX. Per there policy the inspector was to contact me with 6 days. It is now XX/XX/XXXX and I havent heard from the inspector. Whenever I call XXXX requesting an update they put me on hold for extensive times and tell me they sent it to the escalation department. I didn't receive the full 25 % up front. Of the XXXX they are holding I have received only {$2000.00}. The contractor is waiting on funds and the repairs are 100 % complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: ERC
State: FL

Complaint narrative:
I do not recognize the new inquiries on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
My home was damaged during Hurricane Florence. My mortgage company servicer LoanCare decided to progress monitor my claim. This required me to endorse all checks to them. After finally getting the insurance company to approve the damages and finding a contractor that was willingly to work with me and meet the requirements that the mortgage company servicer set forth, the work began on my house XX/XX/XXXX. The mortgage company servicer stated that before work began I would be sent 25 % of funds to pay the contractor. An additional 25 % would be paid when the contractor was at 50 % completion of repairs and the remaining 50 % when the work was completed. I requested the inspector to come out to inspect the property on XX/XX/XXXX. Per there policy the inspector was to contact me with 6 days. It is now XX/XX/XXXX and I havent heard from the inspector. Whenever I call Loancare requesting an update they put me on hold for extensive times and tell me they sent it to the escalation department. I didn't receive the full 25 % up front. Of the XXXX they are holding I have received only {$2000.00}. The contractor is waiting on funds and the repairs are 100 % complete.

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 2019-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/2018 I had XXXX deposited into my account and it also stated that the avail balance was XXXX. 
I have been waiting for this money it was suppose to be for kids for XXXX and that was the whole reason for opening the account with citi bank. So that I could at least make my kids XXXX a good XXXX due to the loss of their dad. Whom died in an car accident recently. 
. The accident happened on XX/XX/2018 it was on the news. He was our bread winner for the family and our love and support. 
My point is my kids already going through alot did not need to be disappointed on XXXX too. But they did not get nothing for XXXX and no fireworks on XXXX XXXX XXXX either. 
But they had no XXXX thanks to citibank. Some of them the customer svc rep was awesome but alot was also rude and not even making me feel like they gave me there all wen trying to help. 
They didnt have that drive in them, the drive to go above and beyond for me or anyone else. Me as a XXXX XXXX I go above and beyond my means to help customers. I would walk on fire for them. So my kids holidays was one big disappointment. 
I sent my documents via fax so now im jus waiting again. I'm very angry and mad at the service they provided for me. I dont reccomend this bank as a friendly bank. 
So my account is still on hold.fyi. This is a new account.

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 2019-01-02 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: Nicholas Financial Inc.
State: TN

Complaint narrative:
To whom this may concern : I am writing to you about the illegally fraudulent act of a inquiry on my credit by Nicholas Financial Inc XXXX, OH ( XXXX ) XXXX This illegal activity Nicholas Financial performed on my identity was around XX/XX/2018. 

I called the manager of the branch and spoke to a gentlemen named XXXX and asked him why did he pull my credit, and he stated To get your attention regarding a change in your personal information .. I have a great track of payment record and this was an unfair act that hurt me. I want us to take action and justice and seek damages regarding this company illegal act. 

This has caused me pain, stress and sorrows. This fraudulent act by this company caused damage to my credit FICO and has dropped my FICO score over - 100 pts causing me to lose the opportunity to purchase a home for my family and kids and also hurt my chances of me closing on the personal loan to help my family. Please, I am asking for you to remove this hard inquiry from my credit and help me take justice to this company. I do not want others to be affected but this illegal threatening way of practice. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: The CMI Group, Inc.
State: FL

Complaint narrative:
I do not recognize the new inquiries on my account

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 2019-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I took out these loans in XXXX-XXXX. they are Parent Plus loans. When I took them out I was XXXX a XXXX XXXX making very good money. And I planned on paying them with my yearly bonus. They were substantial. to make a long story a little shorter, the company went out of business. I lost everything I had invested there & all income.ever since I have tried to get a payment I could afford. I went from XXXX & finally Navient. Every time they would give me something I could handle, they would wind up increasing them to a payment I could not afford. I have been living on about 60 % of what I making before. I lost my home, had to buy a vehicle. ( My truck was taken by my employer when I was released. Said it was company vehicle. I had bought it thru the company. Never thought to get the title ) .I went to several companies to handle my loans. One was XXXX XXXX. They went under. Went to XXXX 2 years ago. They got me a XXXX payment for a year, XXXX again this year. I understand they were shut down. I have never tried to get out of the loans. I just want a payment I can handle. Don't care if it is for the rest of my life.I will be XXXX years old in XXXX. I had to retire in XXXX..Could n't do my job well enough. Not in the best of health, working part time. need help. 
Thank You, XXXX XXXX Than

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
XX/XX/XXXX title loan of {$2500.00} with a interest of 123.99 % total {$9600.00}, I am a veteran on a fixed income, be compensation/pension how can they do this, I need help!

Company response to consumer: Closed with explanation