vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Home Credit Corp. Inc.
State: NC

Complaint narrative:
Home credit should not be on my credit file ... my auto loan was taken from me right after they received my payment.. they have been threatened me for a long time saying a owed this bill.. I file for a divorce and the car actually was used my ex wife and instead of making payments she let the car get repossessed ... I have filed a police report stating that my ex wife didnt agreed to my agreement.. and that I shouldnt be responsible for her missing up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
My new tenant paid with a US Bank ck ... I took it to US Bank ... I was asked for two forms of ID which I presented ... I was told I would have to pay {$7.00} ... and then they requested a right thumb print ... when I asked for a receipt they refused to give me one ... I have rights ... I have to account for my expenses with the IRS ... I have a right to off-set my income with expenses and need a receipt for the expenses to do this ...

I believe the bank in charging me {$7.00} to cash one of their customers checks owes me a legal receipt ... otherwise what expense is the {$7.00} charge covering ... and how are they accounting for the income ...

personally I do n't understand why I have to pay to collect funds from their customer who wrote me a ( promised ) check ... my relationship is not with their bank I think all this ID is overkill and an infringement on my privacy but when they charge $ to cash a check they 're not just a bank they are a 'check cashing service I go to the tenants ' bank to avoid insufficient funds charges and avoid a bad relationship with my bank ...

I believe I have either a right to a receipt or better yet a refund.

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 2018-01-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is regards to complaint # XXXX, Please be advised Under Federal Law ( Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I 'm entitle to physically verify or vision any information such as signed Original Contracts or applications with my signature. Experian has investigated the accounts several times. I need Experian to forwarded me signed documents with my signature Please. Under the FCRA laws mentioned I 'm entitled to vision and Physically verify the information being reported.

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 2018-01-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX has been sending me numerous of email for a account that I had with my ex wife.. she had me apply for a loan and promise to pay it after the divorce this debt belongs to my ex wife and should not be on my credit report.. I tried explaining but they keep selling the balance to a debt collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
My Coinbase account is restricted due to an error. It says I 'm living in a prohibited country, but I 'm not. I have around 50.000 on my Coinbase account and right now I do n't have access to it. 

I contacted Coinbase so many times without any result. I got them on the line 1 time and they opened a ticket for me to solve the issue. the ticket was created on XXXX/XXXX/2017 with  number XXXX But still no answer. 

I really need access to my money. Even if they do n't open my account, I would like to have a refund of my money on my account and my coins should be send to my wallet. 

I hope you can help me with this issue. I ca n't sleep for days because of this. This was my whole life savings. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC
State: NV

Complaint narrative:
A collection agency is reporting the incorrect " placed for collection '' date on my credit report for an account that is also past the 7 year reporting time frame. Also known as re-aging. The placed for collection date -XX/XX/XXXX, is actually the date the collection agency purchased the account from the original creditor. The account last payment was XX/XX/XXXX per the installment contract from the original creditor. According to FCRA Section 605, this account would have gone into collection/charge off on XX/XX/XXXX -180 days with no payment ; remained on my credit report for 7 years then removed from my credit report by XX/XX/XXXX. I have submitted certified letters to the collection agency, credit bureau and original creditor but the account is still on my credit report and with the incorrect date. 

The FCRA says that collection accounts must be deleted from your credit report 7 years from the date of first delinquency on the original account. The date of first delinquency is 180 days from the date of your very last payment to the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: EQUIFAX, INC.
State: OR

Complaint narrative:
According to XXXX XXXX, I was identified as being compromised in recent security breach. Since that breach the following suddenly appeared on my equifax credit report and affecting my credit score. 

1 ) Equifax suddenly froze my credit file since breach for no reason. Credit file reads " Credit File Status File Blocked For Promotional Purposes ''. I never asked or requested my credit file to be frozen. I need help with removing this wrong credit file as blocked. 

2 ) Equifax reports says " payroll is payroll deductible '' which is an obsolete comment entry. Obsoloete since XXXX 2011. 

3 ) XXXX XXXX ( CLOSED ) - a ) reports as charge off in Comments 1 when it was sold to third party. 
b ) Comments 2 reports : " payment is payroll deductible ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX pulled credit without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: IL

Complaint narrative:
On Tuesday, XXXX XXXX 2018 I purchased a US Bank XXXX GiftCard at XXXX in XXXX XXXX, IL. I added {$500.00} in value at purchase. As per the instructions, I registered the card online, provided my name, address, email, and phone number. On Wednesday, XX/XX/XXXX, I began using the card to pay my Trash Collection service, electric ( XXXX ) bill, a prescription copay at XXXX, and my copay for my XXXX visit. 

I confirmed my new balance was {$280.00}, and went to use my card for another doctor copay for {$30.00} on Thursday, XX/XX/XXXX. The card was declined twice. It was embarrassing because I was confident there were funds available, and a doctor 's office is definitely a merchant where a reasonable person would expect a transaction would be approved. After a third decline at the doctor 's office, I offered a traditional credit card, and the transaction was immediately approved. 

Then, early on XX/XX/XXXX, I tried to pay my landscaper for snowplowing my driveway. The same {$280.00} was available on the card, and his invoice was only for {$47.00}. Again, the transaction was declined twice. 

At this point, it was obvious something was wrong, so I contacted " XXXX XXXXs '' at XXXX. As an aside, US Bank does NOT make this number easy to find. Not only is it not printed on the card itself, it is quite buried on their website XXXX. The representative kept providing a nonsense response that I was trying to use the card at a " blocked merchant ''. There is no valid reason my doctor or landscaper are blocked merchants, but the representative literally just kept repeating the same illogical statement. I read the cardholder agreement, and the only transactions which are prohibited are things like internet gaming, other illegal activity, and transactions outside the United States. 

I should be able to use my Gift Card to pay office visit copays or for snow plowing services, but as of now the {$280.00} is essentially locked on my card. I do n't need US Bank to pick and choose how I can spend my Gift Card. I am paying for ordinary, lawful transactions in the United States, that are clearly in the scope of their Cardholder agreement.

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 2018-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
According to XXXX XXXX, I was identified as being compromised in recent security breach. Since that breach the following suddenly appeared on my XXXX credit report and affecting my credit score.

1 ) XXXX suddenly froze my credit file since breach for no reason. Credit file reads " Credit File Status File Blocked For Promotional Purposes ''. I never asked or requested my credit file to be frozen. I need help with removing this wrong credit file as blocked. 

2 ) XXXX reports says " payroll is payroll deductible '' which is an obsolete comment entry. Obsoloete since XXXX 2011. 

3 ) XXXX XXXX ( CLOSED ) - a ) reports as charge off in Comments 1 when it was sold to third party.

b ) Comments 2 reports : " payment is payroll deductible ''.

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 2018-01-05 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
According to XXXX XXXX, I was identified as being compromised in recent security breach. Since that breach the following suddenly appeared on my XXXX credit report and affecting my credit score.

1 ) XXXX suddenly froze my credit file since breach for no reason. Credit file reads " Credit File Status File Blocked For Promotional Purposes ''. I never asked or requested my credit file to be frozen. I need help with removing this wrong credit file as blocked.

2 ) XXXX reports says " payroll is payroll deductible '' which is an obsolete comment entry. Obsoloete since XXXX 2011. 

3 ) XXXX XXXX ( CLOSED ) - a ) reports as charge off in Comments 1 when it was sold to third party.

b ) Comments 2 reports : " payment is payroll deductible ''.

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 2018-01-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have these accounts on my credit report that have been deleted more than once and readded more than a year later. I have added proof of these accounts being deleted. these accounts are not mines as well or was due to fraud. 
I have these seven accounts that needs to be deleted again. 

1. XXXX XXXX XXXX XXXX {$4100.00} 2. XXXX {$10000.00} 3. XXXX {$7600.00} 4.  XXXX XXXX {$1300.00} 5. XXXX. XXXX {$1000.00} 6. XXXX XXXX XXXX {$3100.00} 7.  XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: TX

Complaint narrative:
I have these accounts on my credit report that are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX {$3100.00} 2. XXXX XXXX {$1500.00} 3. XXXX {$1000.00} 4. XXXX {$41.00}

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 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
So without any warning, Chase Bank decided to shut down all of my accounts due to the number of accounts opened up in the last year, requests for additional credit and the amount of revolving credit. Even though I have paid all of balances off in full each month and I did so with Chase, XXXX, XXXX, XXXX, and XXXX XXXX and try to maintain a low debt utilization ratio, so that Chase knew that they could trust me with opening up one last business credit card account with them, they decided to approve me for that card in XXXX of XXXX and then shut down all of my accounts literally a month later. My credit score was still in the low 700s and now because Chase did this, my credit score fell so much and they know I deserve to have those accounts reinstated but they do not listen to the simple truth that I am doing my part as a consumer always making payments on time for them and they are without any evidence or proof closing my accounts down? Please explain to me why I should not be upset at this company for giving me false hope by approving me for a business XXXX preferred card in XXXX XXXX, my 6th account with chase, and yes I did apply for a number of chase cards in the same day to combine injuries. I did not know nor did the REP who approved me note that I am being risky, if I knew this would happen, I would have never even asked for any additional credit ( I just wanted to avoid their 5/24 rule by submitting new apps on the same day. I have paid off literally all of my balances and deserve to have my accounts reinstated because that is the right of a consumer who does n't even carry higher than 10 % utilization during my time with CHASE. Please open them back up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have these accounts on my credit report that are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX {$3100.00} 2. XXXX XXXX {$1500.00} 3. XXXX {$1000.00} 4. XXXX {$41.00}

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 2018-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Transaction initiated on XX/XX/XXXXXXXX in the amount of {$3700.00} from Coin Base to XXXX account, Still in pending status, this should have taken about 30 minutes and now it is 36 hours. Contacted support and got no response. This may be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
XXXX, XXXX on the XX/XX/XXXX Hello, It 's been weeks that I would like to log in to my account at : https : //support.coinbase.com I received a response on XX/XX/XXXX and answered XX/XX/XXXX to the question asked may then nothing not answer always a machine that responds no e-mail address! no phone number! ( Anyway I do not speak English! ) I would like to sell my Bitcoins and get my MONEY back. 
Thank you for your help I created an account on XX/XX/XXXX for the amount of XXXX EUR on the website : https : //www.coinbase.com I was in XXXX but I do not live there, I travel by bike around the world may have a tax address in XXXX my country, The XXXX I have unfortunately broken my XXXX XXXX is also my XXXX XXXX of the company XXXX XXXX number : XXXXXXXX XXXX XXXX XXXX XXXX. 
Then I could no longer tank the XXXX to connect! 
The procedure to register my new number here in XXXX : XXXX XXXX XXXX. 
DO NOT WALK he writes : '' The phone number is invalid '' I requested the reset of my account Here help me recovered my Bitcoins my money!!! 

( This and a translation of XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: IN

Complaint narrative:
I told them I was unaware of the account and they failed to provide any notice or any documentation proving I applied for the loan. 

XXXX XXXX,2015 {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I was refused a loan I qualified for. I applied for a loan at California Check Cashing Store located at XXXX XXXX XXXX, XXXX XXXX XXXX on Saturday XXXX XXXX, 2017.I submitted all required documents and filled out a for.I was told in order to qualify I must make at least {$2000.00} a month.The clerk who assisted me, XXXX, was begrudgingly processing the loan and said I was approved for {$2500.00} ( the max loan amount is {$5000.00} which I was trying for ). She then said she had to call 4 of my references. Two of them did not respond, so I provided two more she was able to contact. Then she told me she had to contact her supervisor before approving my loan. I waited for some time. Next she asked for a copy of my old id ( I had changed my name years ago ) which I provided. Now XXXX insisted her supervisor was going to call me and there was nothing more she could do for me. I never received a call from XXXX or her supervisor. I called back and XXXX told me they decided to deny my loan but could not provide a reason and to come back to the store to retrieve my application and copies of my documents. I returned and was provided a letter stating I was denied a loan due to the checking account I used could not be verified or did not have a sufficient balance at the time the loan was requested. XXXX never stated I had to have a certain amount of funds in my account prior to applying for the loan. Also the bank requirements was that I had to provide two most recent bank statements and a voided check ( which I did ). My current pay stub shows direct deposit into this account. I recorded this conversation with XXXX who stated I was denied for this reason by her supervisor even though I provided all documents and qualified to " apply '' for {$2500.00}. I asked for copies of my documents including the voided check and was told by XXXX she already shredded the papers. I feel I was discriminated against for getting a loan. I provided all required documents and references. My credit score is fair ( I have no bankruptcies ). I make decent income. I only needed this loan due to a temporary setback but I pay all my bills on time. I have applied for loans in the past and was never treated in such a manner. I am reaching out for assistance because I really needed this loan ad feel I was denied on the basis of my race or sexual orientation. Thank you for your time.

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 2018-01-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo switched my account from paper billing to electronic billing without my consent in XXXX of XXXX. Due to me no longer receiving paper bills, I accidentally missed one payment. This was the first payment I ever missed and once I noticed the issue, I promptly corrected it. My history with Wells Fargo clearly shows I pay extra principal for every mortgage payment. Wells Fargo customer service confirmed they switched my account to electronic billing but never took responsibility for this. Wells Fargo reported the missed payment to the credit card bureau and refuses to take any responsibility for their unethical behavior. Before and after this incident occurred I was attempting to refinance my mortgage out of an ARM. Now, I was just told I am unable to do so until I have a 6 month clean payment history. Thus, due to Wells Fargo 's malicious interference in my account, I will be financial penalized for their misconduct.

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