vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-28 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: CO

Complaint narrative:
We recently applied for credit for our small business. We were declined with the explanation that XXXX XXXX card reported that they had to close our account and write off the balance due of several thousand dollars in the latter part of XX/XX/2017 due to lack of payment. This is simply not true. We were admittedly running slow on payments due to business challenges, but we made payments of at least {$100.00} per month to show XXXX that we were at least trying and would do all we could we could to pay down the balance. A payment of approximately {$3700.00} was made by us to XXXX in XXXX of XX/XX/2017 which paid off the full balance. We have bank records to prove this. The XXXX account was closed, and we thought that was the end of the issue. We had no idea that XXXX reported to credit agencies that they allegedly had to do a write off. 

We immediately contacted XXXX via phone to advise of the issue. That started a frustrating series of phone calls, being told that we had to call a certain department, only to be told by that department to call someone else, and then someone else, and so on. 

The request that we made of XXXX is to please immediately update credit reporting agencies that the account was paid by us in full, and that they did NOT have to do a write-off. Our goal is to restore our good credit. If for whatever reason they don't feel they can correct their error with reporting agencies, then we would expect a refund of the funds that we paid to XXXX. But, we don't feel XXXX can have it both ways- keep our money AND incorrectly tell reporting agencies that we defaulted. 

Thanks in advance for your help CFPB. We would have preferred to have just worked this directly with XXXX, but they show no interest whatsoever in working with us. We come to you as a last resort to achieve a fair resolution.

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 2018-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX sold my mortgage to Specialized Loan Services and notified me by mail, received on XX/XX/XXXX. My first payment to SLS is due XX/XX/XXXX. I have still not received any correspondence from SLS. I called SLS in XX/XX/XXXX and SLS rep gave me my new loan number and they were unable to provide any other info stating that the loan is in a boarding process. 
I tried calling them twice in the past week and today and unable to speak to anyone. Today, I was able to access my account online with SLS. I see that my escrow shows a balance but states non tax escrow account. They only show my homeowners policy info. I had escrow impound with XXXX XXXX for property tax and HO insurance. It appears that SLS received rollover of my escrow balance approximately $ 3,4xx.  This amount should cover for my property tax as well. My next prop tax is due soon. Please help. There are many other customers going through this issue. We should not be treated like this and there seems to be no corporate responsibility on the part of SLS. You  can reach me at XXXX. 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 2018-02-28 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: Nicholas Financial Inc.
State: IN

Complaint narrative:
I was checking my XXXX XXXX report and noticed hard credit checks for places I've never been. Places states away and I do not understand why they are there? I attached pictures with all that info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: Turner Acceptance Corp.
State: IN

Complaint narrative:
I was checking my XXXX XXXX report and noticed hard credit checks for places I've never been. Places states away and I do not understand why they are there? I attached pictures with all that info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Trans Union and XXXX have not removed a reported Maryland state tax lien from my credit report. The lien itself does not contain my full social security number or date of birth, therefore, they can not report it on my 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 2018-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have made a transaction using Chase quickpay. I sent money and turns out that was a fraudulent account. Chase advertises their quickpay option as a safe and protected way to send money, but I contacted them and they told me they can't do anything to get my money back. I wanted to cancel the transaction and they would not let me even though it still says " pending. '' Please do not advertise or work with a money transferring company if you do not protect users from scam. I found out that the person I sent money to was an identity thief and Chase won't even protect their customers from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: MO

Complaint narrative:
After pulling a copy of my credit report i noticed that this company is reporting inaccurate information on my credit report and i have disputed this with the credit bureau as well requesting that this account be removed off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A {$120.00} legal fee was charged because a levy was placed on my account. Contacted the source ( state of Mass ), I was told that inaccurate information caused state income tax fees and a levy was placed. Paid the amount the same day and contacted BofA who said the hold will come off the next business day. Hold comes off but now I have a {$120.00} legal fee. Called BofA to discuss the fee, but after explaining that not knowing the money owed and surprised with a levy ( Ill be asking my tax guy some questions ) and paying, all they said was that its a legal fee to charge for placing a hold. Is this even ok.

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 2018-02-28 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: PA

Complaint narrative:
Following account ( s ) are reporting incorrectly an must be removed immediately : Derogatory mark - XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX, Closed : XX/XX/XXXX I would like to be provided proof I consented to these accounts Via FCRA section 609 and 605 as well as the accuracy of these account via FCRA section 623. If you have no proof immediately of any or one, I would like them removed immediately. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I got a piece of mail that said if I started an account with Wells Fargo with a minimum deposit of {$25.00} and made 10 transactions using their debit card ( 2 of which over {$10.00} worth ) within 60 days, 45 days after completed those transactions I would get {$200.00} put into my account. So in XX/XX/XXXX I went to my local Wells Fargo with the piece of mail and deposited {$1600.00} as there is a monthly {$10.00} fee for accounts under {$1500.00}. Within a week I completed the requirements and waited until XX/XX/XXXX when I was suppose to get the {$200.00} bonus deposit and called them as I didn't see the deposit. They said it should show up in the next couple days. I called again XX/XX/XXXX and they said they would get back to me. I called again XX/XX/XXXX, they said they were doing research and would have it resolve. 

I call in again today and they said they didn't even see where they had done research or that I had any history of calling. They tried to tell me a completely different promotion and that I didn't qualify, but luckily I kept the piece of mail and all my paperwork from when I started the account and they had to back track. They kept me on hold the majority of the hour I was on the phone and repeatedly said they were going to resolve the issue today. They finally found my promotion and were asking me if I did all parts of the promotion, which I'm not sure why they are asking me that when they should be looking at my account for if I completed it. Finally they confirmed everything but then said I needed to go to my local branch to resolve the issue ... why didn't they just say that at the start if they couldn't resolve the issue after saying over and over they could resolve it? 

So then I go to the branch, and they tried to tell me the same thing about me not qualifying for some other new promotion they have going, and then I pull out the paperwork and they too back track. After about 10 minutes of explaining 'THEIR ' promotion to 'THEM ' she finally agrees that I qualified and gets on the phone. After sitting there for over a half hour she says she filled out the form and it will be another 7-10 business days. I said " Noway! I've spent almost 2 hours dealing with this today, and this bonus was due to me over a month and a half ago! '' I demanded they credit my account the {$200.00} and they said that only the manager can do that. I asked " will the manager be here tomorrow? '' and they told me " I do not know when she will be in ''.

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 2018-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX Is listed on my credit twice for XXXX. I had disputed this numerous times this account is not mine. A collection bill is not validation & I never received proof with my signature.

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 2018-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
After pulling a copy of my credit report i noticed this company reporting inaccurate unproven information on my credit report in which i have requested for a compliance check with the credit bureaus in which they have ignored.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
This is about a fraudulent ATM transaction in the amount of {$500.00}. This occurred on XX/XX/2018. I have previously contacted HSBC and the CFPB about this issue. The response I received from HSBC stated I need to contact their fraud department to get this resolved. Okay, so I contact them and after going through all the hurdles ( Im XXXX, have to use XXXX XXXX ), Im finally put in touch with XXXX I think his name was. He was rude and made it sound like I was a criminal. I said I was calling about my claim and all he said was Your claim is denied. Then finally he says I need to file a police report to get the claim approved. Okay, now they never told me that was required when I filed the initial claim. So I go to the police station to file a report and the officer tells me that its been a month since the fraud occurred and refused to file the report. Again, HSBC never told me a police report was required. The officer then tells me that its a civil matter anyway between HSBC and myself. Now, in the response from HSBC in regards to my first complaint to the CFPB, they said that my claim was denied because the card ending in XXXX was issued to me, the card was present during the transaction, and the PIN was used. Okay, thanks Mr . Obvious! Of course the card was issued to me. They just denied me by repeating exactly what Im complaining about!!!! As Ive explained to them umpteen times, the card is no longer in my possession. It was obviously lost/stolen. How they got the PIN number is anybodys guess. The fact remains, I DID NOT MAKE THIS TRANSACTION! I shouldnt have to jump through this many hoops to reclaim my stolen funds. Its obvious that HSBC is just trying to get out of honoring their zero liability policy. That policy is a joke. Ive never been treated so poorly by a bank, or any company for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: World Omni Financial Corp.
State: FL

Complaint narrative:
Company failed to provide date, time, and location of sale of repossessed vehicle as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: NY

Complaint narrative:
On XX/XX/2018 a family member of mine wired {$25000.00} to my Coinbase account. We received an email on XX/XX/XXXX rejecting the amount because it was not from an account associated with my name ( although it was my same last name ). We waited several days for it to be returned, but it was not. We placed a trace/recall request but that was rejected due to coinbase 's bank not responding. I contacted Coinbase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have received some communication back, but it was just to tell me that they were looking into it. I hired a lawyer, who had a conflict of interest due to an investor in Coinbase. I am looking for a refund of the money as it was due. I have asked for updates, to speak to a representative ... but no one has communicated to me. A few days later I wired an additional {$25000.00} from my own account which I did receive. This is a different amount. Please advise on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My information ( SSN, address, DL, etc. ) was breached via hackers at Equifax at some point last year. Thus, my information was not protected and the only way I heard about it was through the media. Equifax downplayed the extent of the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT WORLD SERVICES, INC.
State: MO

Complaint narrative:
After pulling a copy of my credit report I noticed this company reporting inaccurate unproven information on my credit report in which I have requested for a compliance check with the credit bureaus in which they have ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: FIRST HAWAIIAN, INC.
State: GU

Complaint narrative:
On XX/XX/XXXX, I received a letter from First Hawaiian Bank reference CFPB case # XXXX. The bank stated there was insufficient funds in my checking account onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to pay my car loan. My First Hawaiian Bank auto loan is routinely paid by monthly automatic debit from my FHB checking account on the XXXX XXXX of each month. In this complaint, I provide a copy of my bank statement which shows that my checking account balance on the XX/XX/XXXXwas more than {$1000.00}. My direct deposit of {$3400.00} was deposited on XX/XX/XXXX and dwindled to {$1000.00} by the morning of XX/XX/XXXX. By the end of the day on XX/XX/XXXX, My checking account balance stood at {$630.00}. The bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. The balance in my checking ex

ceeded {$500.00}. On the morning of XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited into my FHB  checking account bringing the total amount of funds available to {$2400.00}. From XX/XX/XXXX until XX/XX/XXXX, my FHB   checking acc
ount balance remained between {$730.00} to {$2400.00}. The bank again had ample time to deduct {$500.00} to pay the auto loan since my account balance exceeded {$500.00}.

On the morning ofXX/XX/XXXX, my bank statement shows a balance of {$2100.00}. The bank again failed to withdraw {$500.00} to pay my FHB car loan. On XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited to my FHB checking bringing the total balance to {$1800.00}. From XX/XX/XXXX until XX/XX/XXXX, My FHB   checking balance remained between {$560.00} and {$2100.00}. Between XX/XX/XXXX, the bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. Upon realizing the banks error, I immediately made two payments of {$500.00} on my FHB Auto loan.

The bank negligently failed to initiated the approved automatic debit to pay my auto loan, although funds were clearly available, and then made a false late payment report to the three credit bureaus. I want First Hawaiian bank to immediately remove the false late payment from my Auto loan payment history and to restore my excellent payment history to the three credit bureaus. My attached bank statement is evidence above and beyond a reasonable doubt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened a credit card account with Bank of America on XX/XX/XXXX and this account was closed on XX/XX/XXXX. I paid the balance on the account down to XXXX and I am still being charged a monthly fee on this closed account and it is affecting my credit report. I would like to address this issue by paying what is currently due and having this removed from my credit report completely.

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 2018-02-28 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: U.S. BANCORP
State: MN

Complaint narrative:
There are two inquiries on my credit report I disputed recently through XXXX XXXX inquiry assist letters to US Bank 4-5 months ago for two different inquiries one of XX/XX/XXXX the other of XX/XX/XXXX and the company has not responded ...

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 2018-02-28 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: MO

Complaint narrative:
After pulling a copy of my credit report there are some inquiries that i did not authorize and they are being reported on my credit report. i have requested for a compliance check and asked that these inquiries be removed immediately from my credit report and my letters have went ignored after sending certified with the return receipt.

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 2018-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Case # XXXX I asked to disable my GDAX ( Coinbase ) access because I was robbed of my phone. I requested via email to reactivate my account on XX/XX/2018. They sent me system generated email without a ETA. 
I called via phone on XX/XX/2018. It took me an hour to reach the customer representative. She sent me an email asking me a few questions and told me a specialist would work on it. Again, an ETA is not given. I responded right after I received the email. 
Until now ( XX/XX/2018 ), I have not heard back from GDAX. And I have {$5000.00} on my account that I'm not able to access or cash out.

Company response to consumer: Closed with explanation