vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America reported me 30 days late back on XX/XX/XXXX right after we all here in XXXX Florida went through Hurricane Irma and was trying to rebuild after not having power and communications. Florida was deemed a federal disaster zone and all banks, creditors and financial institutions were giving 90 day grace periods to their customers to help them through that tough time. When I found out that Bank of America reported me late, I called them and they didn't care and told me they don't have to honor the 90 day federal disaster zone payment grace period. I feel that Bank of America doesn't care about their customers and they have destroyed my credit score over 1 late payment during a Hurricane disaster period. They show no concern or mercy for their customers. I would like them to make a 1 time exemption and set aside the 30 day late reporting to the credit bureau due to the natural disaster. I am in the process of trying to buy a house and their negative report is affecting me from getting approved. If they set aside the late reporting is will greatly help my credit score and help me get the house. I will be homeless as of XX/XX/XXXX. 

Bank of America car loan XX/XX/XXXX XXXX XXXX acct # XXXX I have attached the statements after the hurricane showing me falling behind due to the due hurricane disaster. I have also included a Hurricane Irma disaster report showing the devastation and aftermath of the storm on my area. I am also a XXXX XXXX XXXX and was pulled in multiple directions with disaster relief and support and I worked crazy hours after the storm.

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 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian as well as each company associated with the inquiries in regards to having the inquires removed because I did not authorize or consent to the inquiries or for my credit report to be ran. Each inquiry is still showing on my credit report I also have completed a fraud affidavit, report number XXXX, with inquiries still reporting on my credit report. 
Inquiries include : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3XXXX XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX In XX/XX/XXXX 7. XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Step 1 : What is this complaint about? This complaint is about the customer service ( or lack thereof ) you I have been receiving from Coinbase during the last three weeks. I have been having two major problems with my account, yet have received no real help or assistance from Coinbase. Step 2 : What type of problem are you having? Problem 1 : As a Coinbase client you are able to purchase Bitcoins with having to pay a fee, if you first transfer your funds to XXXX  ( which belongs to Coinbase ). Therefore, I tried to open a XXXX account on XX/XX/XXXX and it did not work. I contacted customer support, informed them of my problem and since XX/XX/XXXX I have not heard back from them. Problem 2 : Given that this took so long, I decided to purchase Bitcoin through Coinbase directly, even though this meant paying a 1,5 % fee both when you buy and sell your position. So I tried to log into my Coinbase account and this did not work, either. To be more specific : The XXXX XXXX authorization did not work. I checked Coinbase 's instructions, followed them and it still did not work. I then contacted them again on XX/XX/XXXX and gave them a call a day later, in which I was hung up on only to then be told via email that this issue was being dealt with. Since then I did not hear from them. I still want to get in the market - after all my account holds my funds - and I would like to see this problem solved rather soon. Step 3 : What happened? See Step 2. Step 4 : What company is this complaint about? XXXX XXXX XXXX. Step 5 : Who are the people involved? I only have my customer service cases, which are # XXXX ( for problem # 1 )  and # XXXX ( for problem # 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
My late mother has two IRA accounts at Suntrust. I and my brother were named beneficiaries. He is deceased. I went to the XXXX branch of Suntrust with the information the attorney mailed to me regarding the accounts. They said their legal department told them the executor of the estate will need to produce at the branch a death certificate from my brother, then both my half and my brothers will need to go to the estate through Suntrust. My estate lawyer said I should be able to claim the IRAs 100 % by producing my brother 's death certificate myself. 

I have tried to reach Suntrust online and by their customer service number, but was unable. 

I need a direct contact at Suntrust to respond with the correct answer from their legal department. Email preferred.

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 2018-05-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  XXXX XXXX reported me 30 days late back on XX/XX/XXXX right after we all here in XXXX Florida went through Hurricane Irma and was trying to rebuild after not having power and communications. Florida was deemed a federal disaster zone and all banks, creditors and financial institutions were giving 90 day grace periods to their customers to help them through that tough time. When I found out that XXXX XXXX XXXX reported me late, I called them and they didn't care and told me they don't have to honor the 90 day federal disaster zone payment grace period. I feel that XXXX XXXX XXXX doesn't care about their customers and they have destroyed my credit score over 1 late payment during a Hurricane disaster period. They show no concern or mercy for their customers. I would like them to make a 1 time exemption and set aside the 30 day late reporting to the credit bureau due to the natural disaster. I am in the process of trying to buy a house and their negative report is affecting me from getting approved. If they set aside the late reporting is will greatly help my credit score and help me get the house. I will be homeless as of XX/XX/XXXX. 

XXXX XXXX XXXX  car loan XX/XX/XXXX XXXX XXXX acct # XXXX I have attached the statements after the hurricane showing me falling behind due to the due hurricane disaster. I have also included a Hurricane Irma disaster report showing the devastation and aftermath of the storm on my area. I am also a XXXX police officer and was pulled in multiple directions with disaster relief and support and I worked crazy hours after the storm.

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 2018-05-02 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: SC

Complaint narrative:
I disputed the account as it does not belong to me. Experian deleted said account after investigating my account and then put it back into my credit without contacting me. Because it was deleted from my file, it should have never been placed back on. Also they did not send me a letter notifying me of the intent to reinsert this account that does not belong to me into my credit 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 2018-05-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I asked for validation of the account and they did not provide information to verify that account was mine. They only updated my report to say that account was valid with no proof of such claims. Account does not apply to me as I never attended said school.

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 2018-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
This concern is regarding First Federal Credit Control. This past month there was a request- formal and written requesting a validation of debt- certified. There has been no validation of debt provided to me and in addition I have received threats from them that they will call the police on me, this is a clear violation. This is all regarding an alleged debt that I do not have any validation of. While I still do not have validation of debt, this still remains on my credit report. It should be off my report as this is another clear violation. Please assist me in rectifying this as I feel threatened First Federal Credit Control. 
Company- First Federal Credit Control XXXX XXXX XXXX # XXXX XXXX OH XXXX Account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Disputed account that they verified FCRA states that thus debt must be verified with original signed contracts XXXX XXXX acct. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Brennan & Clark, Ltd., LLC
State: AZ

Complaint narrative:
on XX/XX/XXXX so called debtcollector XXXX XXXX the agent is XXXX XXXX called me threatened me said i owe {$11000.00} to XXXX XXXX. 
i know nothing of this threatened to freeze my accounts and take assets by today. put phone down on me, very rude, trying scare tactics. said i know of this. i havnt had any emails nothing no post totally innocent of what hes trying to say. 
yes i did have insurance last year. from XX/XX/XXXXto XX/XX/XXXX, XXXX XXXX   were my agent XXXX  XXXX was theres. 
they uped my policy without asking me or my knowledge they canceled my policy XX/XX/XXXX. i told them its not worth me keeping policy not profitable if you asked me that you were going to put policy up i would of told to cancel. 
someone in the company didnt do there job and tell me by the end off XX/XX/XXXX i was owed back money i paid out. based on bank statements. but no they increased my insurance plus more so i owed more? 
without my consent havnt heard nothing until now. 
with threats to freeze and take assets. 
by today. 
please advise, is this a scam. 
they left voicemail from anumber XXXX XXXX XXXX. 

thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have already cancelled one XXXX credit card over recent changes to terms with Firearms sellers. However the recent revelation that my major financial institution, Bank of America, is among those institutions looking at ways to track/limit my purchase of a legal product intended for lawful uses. ( XXXX XXXX XXXX ) has the potential to make it nearly impossible to go about daily life without agreeing to give up my fundamental constitutional rights. 

The ability to use a credit card with freedom from viewpoint discrimination is critical to life in modern society. The CFPB was created because it was understood that financial decisions by private corporations can destroy the lives of millions of individual customers if not handled fairly and honestly. Asking customers to expose themselves to having their transactions arbitrarily denied, or cards cancelled, based on what we choose to purchase is an overstepping of boundaries. Such decisions should only be made on financial grounds like card balance limits, not what is being purchased. 

Imagine a world in which your purchases are denied solely becuase your life choices do not match the whims of the corporation on any particular day. No XXXX transactions because our company makes more profit from large taxi companies. No political donations to members of the political parties that our executives don't support. Sorry, we can't process your monthly XXXX bill payment because our corporate cell provider is XXXX. Expressing your corporate opinion via charity or special incentives is one thing and is understandable. Forcing your corporate opinion in the private lives of your customers is another thing and is totally unacceptable. 

Just because these corporate policies take care to not stray into legally protected areas of discrimination like race and religion doesn't make viewpoint discrimination right even if it may not have violated any laws, at least not yet. No matter which side any individual takes on any issue, I doubt most customers want their credit card companies second guessing their individual purchasing decisions on a daily basis. The potential for abuse is just too large, and such policies may need to be regulated if corporations continue down this path.

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 2018-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I tried several times to start a plan to pay the student loans with Navien, I filled a form which they were supposed to send my husband so he could sign. He never received. I called them because I needed more information about the repayment options, they were unable to give me further explanation about the plans. They said I had to read and choose one of the plans that are listed in the website. I asked them for information in XXXX, they dont have information so I was not able to make a decision. I have not started paying the loans and Im receiving so many calls during the day co collect debt. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I sent a certificate letter to Equifax on XX/XX/XXXX ( XXXX ) asking to validate XXXX XXXX  XXXX listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : if the Credit Bureau can not VALIDATE the information with the ORIGINAL creditor, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the US Court system due to the Fair Credit Reporting Agency PRIVACY LAW In XX/XX/XXXX Equifax answered my letter with report number ( XXXX ) indicating that they have verified that this public record item is reporting correctly with third party vendor XXXX How it is possible that Equifax verified in XX/XX/XXXX the accuracy of the information by XXXX XXXX, if in XX/XX/XXXX XXXX sent me a letter ( attached copy of the letter ) saying that was unable to verify the accuracy of bankruptcy case number XXXX and subsequently they had removed from their records. It is clear that Equifax used false information to verify the accuracy of the XXXX XXXX XXXX LISTED ON MY CREDIT REPORT, for this reason through this complaint I ask you immediately to DELETED THAT ACCOUNT FROM MY EXPERIAN CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I spoke with a XXXX about providing me a goodwill adjustment on my late payment on XX/XX/XXXX for my humanitarian hardship. I was in the hospital for ongoing medical treatment and was late billing my bill. This is the only time I have been late paying since signing up for the XXXX XXXX XXXX. The representative stated that he updated XX/XX/XXXX late payment to good standing and XXXX would report the good standing to the 3 credit bureaus. The late payment is still showing up on my credit reports and I am asking that it be removed as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
In XX/XX/2010we purchased a vehicle financed through this company. We believe that we were unfairly taken advantage of. The interest rate was way too high. The cost of the vehicle was $ XXXX, by the end of the term we will have paid this company $ XXXX but I have a balloon payment of $ XXXX left at end of term that the company says comes from interest that they are willing to refinance at another ridiculous rate. At this point, I am ready to take legal action against this company. This was a shark loan from a company with immoral business practices. I see where they have had class action suits taken against them about the same unfair practices. I would like to open another class action suit against this company to give some relief to people that may be in the same situation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
On XX/XX/2017 GM Financial with whom me and my husband had a joint loan for XXXX XXXX XXXX paid the pain in the mail, the check wasnt received. We found out next month the payment hadnt been received, made a double payment. GM removed the late charge and said they would remove the 30 day late on our credit report but since have not done so. My husband and I have called them and sent many letters. We feel GM is acting unreasonable in the situation since we had great payments before and after that event. Always paying online now. We also opened a new loan with them in XXXX. The mark of 30 days late on our credit is very damaging and need some help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
These people called me regarding a XXXX XXXX card that I told them I had no knowledge of. I mailed a validation letter on XX/XX/XXXX it was signed for on XX/XX/XXXX and 30 days later I still dont have a response. This is very frustrating because at the time this account was opened I was in boot camp I also sent them documents proving that but still no response. XXXX XXXX is trying to collect {$430.00} from me and couldnt even validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was added as a co applicant on my brother 's and sister in law 's CHASE credit card. 
This was an unauthorized action and CHASE has been informed. All necessary documents have been sent to their corporate office. 
My brother and sister in law open a credit card with CHASE Bank account 16 years ago ( XX/XX/XXXX ) under their name and 8 years after ( 2011 year ) CHASE added me as a co applicant by error -- FRAUD. 
XX/XX/XXXX My borther and sister in law submitted a letter to Chase explaining this matter together with their attorney 's letter confirming I am not a co applicant on the account but CHASE is not authorizing to remove my name from the debt. 
They have never sent me a credit card under my name neither I have never purchase any items with their CHASE credit card ... You may ask for purchase receipts on record thru the 15 years the card has been active and confirm my signature is not in any of their sign receipts. 
When I called to confirm my name and date of birth they had the wrong year on their records as well, this is a very important matter CHASE is reporting the account on the three credit bureaus and my credit may be affected do to this situation. 
See attached letters sent to CHASE BANK from the original card owners and myself. 
I also included my license and social security card to confirm my signature. 
Please keep in mind my social security card was provided to me when I was a minor XXXX XXXX XXXX when I first enter the country my adult signature in on my license.

Company response to consumer: Closed with explanation