vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
My husband and I had a credit card each with XXXX. When he XXXX XXXX years ago I took over his card and they immediately for no given reason jumped the interest rate to 20 % I have made payments to them all these years but getting nowhere. I decided to consolidate the loans by getting a cheaper loan from Discover loans. This was done in XXXX XXXX. One XXXX card was paid off by Discover namely a/c XXXX for {$9700.00} In the other case Discover sent XXXX {$12000.00} for ac " XXXX. '' Discover wrote the incorrect number for the credit card. The correct number should have been XXXX. This was XXXX. Discover claims they have sent several correction faxes to XXXX but XXXX seems unable to find Discover 's messages or indeed locate the funds. I am in the middle of these two parties with frequent phone calls that go nowhere. The result I am paying the full amount on the Discover loan as well as on the XXXX credit card that should have been paid off.. This extra payment has amounted to nearly {$1000.00} to me over this last three months. I can not get any solution from the parties since there is no resolution from my frequent phone calls to both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: TX

Complaint narrative:
While checking my personal credit report, which I acquired I notice an inquiry made by the below organizations on the listed dates. 

Since I have not, to the best of my knowledge, authorized anyone employed by those organizations to make an inquiry, they are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. 

If you believe that you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

Credit Inquiries XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX from XX/XX/XXXXXXXX Indirect We Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX A Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX from XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX  Inquiry from 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 2017-12-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
While checking my personal credit report, which I acquired I notice an inquiry made by the below organizations on the listed dates. 

Since I have not, to the best of my knowledge, authorized anyone employed by those organizations to make an inquiry, they are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. 

If you believe that you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

Credit Inquiries XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Indirect We Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
While checking my personal credit report, which I acquired I notice an inquiry made by the below organizations on the listed dates. 

Since I have not, to the best of my knowledge, authorized anyone employed by those organizations to make an inquiry, they are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests.

If you believe that you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

Credit Inquiries XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXXINDIRECT XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX via AXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX INDIRECT XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX from XX/XX/XXXX XXXX Indirect We Inquiry from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XXXXXX/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 non-monetary relief
Consumer complaint received 2017-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: MI

Complaint narrative:
Today, XXXX XXXX, 2017, I received a Netspend prepaid, direct deposit XXXX that I did not request. I never visited their website, never spoke with then on the phone and never sent postal mail, yet, I received a card in my name today.

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 2017-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A timeshare loan account with XXXX ( XXXX ) XXXX, opened XXXX/XXXX/XXXX, was not reported as " Adverse '' by TransUnon in XXXX XXXX. As a matter of fact, it was reported as " Current ; paid as agreed. '' Without notice, this account began reporting as adverse in XXXX XXXX. A dispute was opened shortly there after with no change in the negative reporting.

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 2017-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I am locked out of my account with XXXX usd out of access and no matter what I can not get coinbase to respond with anything that actually resolves this. 
I lost, and have now replaced, a 2 factor authentication device ( my old phone ). I previously complained to the CFPB about this. Coinbase replied in a way that indicated that they had not even read any aspect of the complaint at all. They have taken zero real steps towards resolving the issue. 

The response they sent to me after the CFPB forwarded my initial complaint was an auto-message identical to the first one they sent to me. This indicates that no one had even read my emails to them. 

I really need a solution to this now as my assets are depreciating and they are denying me access to my funds and are misrepresenting the situation to both BBB and CFPB by saying that I will be contacted by an agent. I have received absolutely zero assistance from coinbase other than additional auto-messages ( many of which are repeats ) which do not resolve my issue. A human agent is needed to solve it. 

I have created a new account as instructed several months ago before they stopped replying the first time. Now the site claims my id is invalid. This was not the case when I used the same id to send them money. It must have become invalid now that I want to withdraw it seems. 

I feel at this point they are sending me in circles and have read none of my messages. No genuine attempt whatsoever has been made to restore my account access despite months of trying. Any time they reply, it 's an auto message, and then there is no further contact. Even after the CFPB asked for a reply, I was only sent an identical auto message which clearly indicated that no one had read my messages. This can been seen in my attached ( fourth attempt ) to get a real reply from them. 

Furthermore, many many other people seem to be in similar situations with this company as complaints are becoming highly visible online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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:
Ive been trying to freeze my credit report with TransUnion for several months now. I finally got them to send me a copy of my credit report. I was unable to answer some of their questions because they had, and continue to have incorrect information on me : Their credit report has my wrong birth date, many wrong names reported, a wrong previous address, and a wrong phone number. Some of this misinformation comes from an identity theft I encoured earlier this year, whereby someone obtained my XXXXXXXX XXXX XXXX XXXX XXXX number, then called XXXXXXXX XXXX and convinced them to change my address from ohio to one in NJ so they could illicitly order products over the internet and have them shipped to their NJ address. Now, when Transunion asks me to verify my identity, they ask me questions like have I ever lived at this address in NJ, to which I answer no, but they think I did because of the identity theft. I didnt have any problems freezing my credit at the other two credit bureaus, but TransUnion has been absolutely impossible to work with to correct these issues, on line or over the phone!

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 2017-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX, 2017 @ XXXX XXXX Upon creating an account with XXXX, I was prohibited from connecting to my online bank account. They are restricting access to my financial data with no grounds other than the specific service I am using. I see this as gross discriminatory action and expect this issue to be resolved in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello Hello - I sent a wire transfer over 3 weeks ago to COINBASE bank location. 
I am requesting the funds sent back immediately. 
They have not given me access to these funds.  They have not posted these funds to my account. 
They have not posted a transaction of this wire transfer. 
They refuse to acknowledge the situation. 
They refuse to respond From Account Number : XXXX Share : XXXX - BUSINESS CHECKING Name : XXXXXXXX XXXX  Email : XXXXXXXXXXXX XXXX Phone : ( XXXX ) XXXX Transaction Date : XXXX/XXXX/XXXX Amount : ( {$1000.00} ) Description : WIRE TRANSFER SENT TO THE FOLLOWING BELOW SENT TO : Coinbase Routing/ABA Number XXXX Account Number XXXX Recipient Instructions/Message XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Complaint against XXXX XXXX RE : Loan Management Account Broker : XXXX XXXX, XXXX XXXX, NJ SUMMARY : Loan Management Account established in XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX did not enforce the stipulated amount regulated for Trusts and Individuals on the XXXX XXXX website. The loan amount should be limited to XXXX for individuals. ( see below link and quote from the XXXX XXXX website ) My XXXX account was allowed to hemorrhage ; become over leveraged and my investments went from XXXX in deposits to a final balance of $ XXXX. I used some of the XXXX balance but I was living off the XXXX since I am XXXX with XXXX XXXX XXXX XXXX. The Loan Management Account is not a suitable vehicle for an older woman who has no other source of income. I learned this too late. When my husband XXXX in XX/XX/XXXX I agreed to assume the loan balance of approx. XXXX but at that point I should NOT have been allowed to leverage any more of my investments. 

ML OFFICIAL LOAN MANAGEMENT DESCRIPTION : XXXX XXXX XXXX " The XXXX account is an  uncommitted facility, although loans to individuals and trusts may be  committed in an amount not to exceed {$100000.00}. The Bank may demand full or partial repayment at any time and any commitment may be immediately terminated. '' I recently became aware of this regulation limiting the loan amount to individuals. 
Not only did the loan balance exceed XXXX but my entire set of funds were used as collateral. XXXX XXXX charged interest on the loan balance from approximately 3.3 % to 4.4 %. 

In XX/XX/XXXX and XX/XX/XXXX I communicated with FINRA and requested mediation with XX/XX/XXXX through FINRA. XXXX XXXX denied my request and blames the destruction of my resources to my spending. As previously said I was living off my investments. I paid for my son 's wedding. Spending is not the issue. XXXX XXXX broke their own law by over leveraging my Loan Management Account. If the XXXX XXXX stipulated limit of XXXX for individuals was honored and enforced I would not have lost all of my funds. 

Essentially the Loan Management Account became a runaway train that eventually crashed. My Loan Management Account was not properly supervised and not lawfully enforced. 

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 2017-12-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Since XXXX of this year I 've asked all three credit bureaus to please provide verification of about 7 accounts on my credit report. I 've sent more than 4 different requests to provide this verification over the last few months but I get the response that they have been verified. what I 've been looking for is a signed contract with the creditor or application I signed for this credit but they just respond that they are verified. Frustrated because I do n't believe they are really verifying those accounts and they are not mine. they wo n't delete the accounts from the reports or send me the required verification seriously impacting my interests 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 2017-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
See case # XXXX. This is a revised letter. In the letter I had got XXXX XXXX XXXX crossed with XXXX XXXX XXXX. The Correct department is the XXXX XXXX XXXX. The revised letter indicates this as zI sent the wrong version.

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 2017-12-30 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: NY

Complaint narrative:
TRANSUNION, XXXX, and XXXX is posting old information on my credit report. I have made several attempts to settle the matter and TRANSUNION, XXXX, and XXXX have ignored my notices. As of today, XXXX/XXXX/2017, i have several inaccuracies listed on my credit report and old information that should be removed according FAIR CREDIT REPORTING ACT and statue of limitations. My character is being damaged and the Credit reporting agencies is making it very difficult for me to obtain new credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
In the XXXX XXXX time frame, a U.S.-based major financial institution erroneously reported to one or more bureaus that I was dead. 

In XXXX and XXXX XXXX, I repeatedly called this bank 's revolving credit servicing center to object to this instance of credit reporting, and to question the account closing on that basis. 

A late charge was waived ; but in every phone call during XXXX and XXXX XXXX, the creditor continued to deal with me via the calling queue for decedent affairs. 

[ The same false instantiation of bureau reporting ( " XXXX '' ) also states : " Never late. '' ] The fact of this report appearing in the public sphere has caused eight months of financial adversity ( unemployment/underemployment, due to background checks asserting " candidate is XXXX '' ).

Company response to consumer: Closed with non-monetary relief