vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 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: TX

Complaint narrative:
I've used Coinbase for some time now, and all of a sudden after I transfer {$1300.00} to my Coinbase account, it gets disabled " temporarily ''. I immediately called their support phone number, but that does nothing as it's a robot the whole time. Contacted email support, messaged them on XXXX, and even wrote a reply on XXXX, and didn't get a single word back or explanation. After searching through XXXX, it shows this has happened to other people. So at this time, my account just sits with $ XXXX in it that was MY OWN money that I sent to Coinbase XXXX It's not theirs, and never was. I'm just wanting to move my funds elsewhere now, and close my Coinbase account. This is not fair how they treat paying and loyal customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase Bank is reporting 30 day late 's on my account. I have paid this account and there was a residual balance and/or fee that i was never notified about. I was not told when i called in to make the payment and never received any other notice from Chase Bank and wasn't aware of the late notations until i pulled my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collection XXXX & XXXX : This account is double reporting on my credit file. This is for the same debt.I was unaware I even owed this debt as I never received any notices for it. It is however a violation to double report the same debt on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I bought a XXXX XXXX under promotional no interest for 24 months. I then bought a wireless charger the next month on the XXXX XXXX  account. I called in that month to make the full payment of the charger since it was going to have interest, I made the payment of {$84.00} on the phone and she said that I would have no interest. I then got interest and called in, she said I needed to make another payment of {$40.00} because it didn't apply right before, and refunded the interest. I got interest again and called in a third time saying the previous two payments and calls both said they fixed the interest problem, I got a refund of interest up to XXXX XXXX. I called in XX/XX/XXXX because I again received interest from XX/XX/XXXX-XX/XX/XXXX and assumed my third call fixed the problem. They said 'oh the payments were applied to the wrong portion! you owe the interest ', even thought hose payments were maid multiple times, over the full amount, with representatives, who said I wouldn't get interest. They refused to remove interest off the account. I have since paid the account off in full, and there is still an erroneous {$18.00} of interest that I overpaid. Terrible company, bad ethical choices, and no responsibility. I've attached the 3rd calls result ( XX/XX/2019 ) where I paid the full amount and they refunded all interest that was charged so far, and you can see there is no interest at that point, then it started again after.

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 2020-07-02 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: NY

Complaint narrative:
I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLEASE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: AR

Complaint narrative:
I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: CORELOGIC INC
State: NC

Complaint narrative:
The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX and core logic are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including XXXX  acknowledgement of illegal account and the request to delete it from XXXX corelogic, false statements made on behalf of corelogic and fake letters they said they sent.

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 2020-07-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted Best Buy Credit on XXXX XXXX for a credit report update, from a mistake that they have made in XXXX of XXXX when they accidentally reported a late payment to XXXX. They did not report this late payment to any of the other Credit Bureaus because it was a billing address issue that was resolved. They have notes in their records from XX/XX/2015 that the billing issue was resolved. Their reasoning for not being able to correct this dispute is because " their records don't go that far back. '' However, I have TWO recorded conversations with Best Buy credit that the reporting of the late payment was a mistake because it was already resolved. The resolution date is XXXX XXXX, per a phone conversation with 2 different Best Buy credit employees. I just want them to correct this late fee with XXXX so it does not show up on my report, as it doesn't show up on XXXX  or XXXX. The only thing Best Buy keeps saying is that they can not go back more than 6-12 months. This is unacceptable because their mistake is affecting my credit score.

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 2020-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I have beena member of NFCU for over 5 years now. Building a relationship with your bank must not be a thing anymore. I applied for the XXXX card which promotes ESTABLISHING CREDIT & RE-BUILDING CREDIT. I am in the rebuilding process. Here is my issue, I have build this relationship with NFCU & I fir the qualifications for the secured card and I get denied. On average people use between $ XXXX {$500.00} as their deposit for a secured card I used {$2000.00}. So riddle me this how does be using {$2000.00} of my own money pose any riskto NFCU? And if it did who looses in the end if I default? I do. Marketing these cards to rebuild credit is extremely asinine due to the perplexed and flummoxed advertising of the card. I usually would like a review of my application, but in this situation I am ok. NFCU will never see a dime of my money again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I had called to move my payment out because with COVID, I knew I was going to be late because unemployment hadn't kicked in yet and I was laid off due to the Pandemic. 
I have since made my payments and everything is now current but I had explained this to Ford and there should have been an agreement and leniency due to what is going on in the world. 
I do not feel that this should have hit my credit this way as I explained and tried to make arrangements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02 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: AR

Complaint narrative:
I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY REPORT

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 2020-07-02 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: AR

Complaint narrative:
I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY REPORT

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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
When the COVID-19 pandemic first occurred I called the company, Credit Acceptance, when I first lost my job and they told me that the only thing that could be done for me is they would erase late payments. So as soon I as I received any financial assistance I made sure it was one of the first bills I took care of because it was showing up as a late account on my credit report. That was in XXXX. In XXXX the account was up to date. I kept checking my credit report and it has not been updated since XX/XX/XXXX. I have been in contact with them 4 different times and they have given me different answers every time. I called XX/XX/XXXX and they told me there was a freeze on my account and they were going to take it off so my credit would be reported on the XXXX on XXXX. I then received an email XX/XX/XXXX and it said they were not reporting until XX/XX/XXXX. Now they just told me I have to fill out a form to take the freeze off. I also have disputed this with each of the credit bureaus and they told me the information was accurate and nothing about a freeze.

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 2020-07-02 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: MI

Complaint narrative:
I had called to move my payment out because with COVID, I knew I was going to be late because unemployment hadn't kicked in yet and I was laid off due to the Pandemic. 
I have since made my payments and everything is now current but I had explained this to XXXX and there should have been an agreement and leniency due to what is going on in the world. 
I do not feel that this should have hit my credit this way as I explained and tried to make arrangements.

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 2020-07-02 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: FL

Complaint narrative:
I have sent numerous letters to XXXX regarding the inaccuracy being reported under my XXXX XXXX account. What doesn't make sense is that IF the data furnisher is reporting this accurately for TransUnion and XXXX, why isn't is being reported accurately for XXXX. Also, after providing proof, XXXX still hasn't done anything about it as per their obligation. The payment status is WRONG. The status should be Current as it was not late when the account was closed. 

Also, TransUnion has not addressed my complaint regarding my XXXX XXXX XXXX XXXX XXXX XXXX. I challenged the account and XXXX and XXXX   removed it, but TransUnion did not. How is it that the same account was challenged and resulted in different outcomes IF the account was investigated by the same data furnisher?

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 2020-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Franklin Mortgage Solutions, LLC
State: TX

Complaint narrative:
Franklin mortgage has not processed mortgage loan escrow close out in FHA connection which is delaying my refinance. This has been requested several times by refinance lender and not happened.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macy 's American Express charged a nonpayment fee on a waived late fee after I paid my full account balance ( minus the waived late fee ), resolved the late balance issue with their customer service under the belief that my full charge had been paid, and closed my charge card account. I believe that Macy 's American Express charged this fee illegally and as a matter of policy to receive additional payment. I believe they do this in order to generate additional revenue from closed accounts, specifically from consumers with previous late charges who are scared of damage to their credit score resulting from non-payment of this unearned charge.

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 2020-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Continuously blocking my debit card, my PNC visa credit card and now will not allow my bank account to connect to XXXX XXXX. I have tried making SEVERAL purchases! On different site. I have called at least 5 times to have the problem resolved. I tell them I want purchases to go through. They say they reset everything and it should work and it keeps happening. This is my account and cards. I have proven my identity multuple times!!! What is the point in having an account if they refuse to allow you to use your money and block purchases!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingUSA
State: CA

Complaint narrative:
I have had this loan for almost 3 yrs. I am about 3 months from paying it off. My payment due date is XXXX of each month with a 15 day grace period ( XXXX of following month ). I have always took advantage of the grace period paying between XXXX or XXXX of each month. I went to pay online yesterday, to pay for XX/XX/XXXX due date and they had my account locked so I could be not pay online or via automated system to force me to speak to their loan officers. I remind you, technically, Im not late until after the XXXX. They call me constantly harassing me as if I'm in default when I'm not. I have paid every month on time. They have no business altering my account to prevent me from paying online. Again, after paying this way and date for almost 3 yrs, now they are trying to interfere with me from paying this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: NY

Complaint narrative:
I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLEASE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME.

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 2020-07-02 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: NY

Complaint narrative:
I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLEASE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME.

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 2020-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I put the wrong credit bureau it's Equifax Here is the company number for the wrong bureau so you can get the images I attached. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: CA

Complaint narrative:
I have requested numerous times with Experian in regards to XXXX XXXX  XXXX error in reporting and notified them that this account is not mine. It remains on my report with Experian. 

XXXX  and XXXX had kindly removed this error without any problems. 

The second complaint is why is it that with all of my credit, inquiries, limits, and payments almost identical with the other 2 my score is significantly lower with Experian? 

It doesn't make sense.

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 2020-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a statement in the mail with my name and address from XXXX XXXX ( TD Card Retail Services ) which I did not apply for nor make any purchases on. The statement concerns me because both my name and address are correct. It shows two phones were purchased on XX/XX/20 for a total of {$1900.00} and then returned on XXXX/XXXX/20 and the balance was credited back to the account. The account currently shows no balance owed with a credit limit of {$2200.00}. I never applied for this account nor did I make any charges. 
As soon as I received the statement I called the number provided immediately ( XXXX ) XXXX and was on hold for 42 minutes before hanging up, this was on XXXX/XXXX/20 at XXXX. I called twice again the morning of XXXX/XXXX/20 the first time at XXXX and was on hold for 46 minutes before hanging up. I also have my savings and checking account through TD Bank and I called the regular TD Bank help line ( XXXX ) XXXX at XXXX, I spoke with a representative that could not help me but transferred me to the Retail Card Services division where I stayed on hold for 1hr and 2 minutes before finally hanging up. I made a last attempt this morning, XXXX/XXXX/20 at XXXX XXXX  and gave up after 25 minutes. 
I never opened this account nor did I make any charges or returns on this account. The hold time I experienced and the service I have received from TD Bank Retail Service is horrible.

Company response to consumer: Closed with non-monetary relief