vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-20 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: TX

Complaint narrative:
In XXXX XXXX Experian took longer than the 30 days allowed for the dispute of a debt in my credit file for XXXX XXXX XXXX. When I questioned Experian they stated they are allowed up to 45 days. Under FCRA they are only allowed 30 as well as the creditor response. Experian and XXXX XXXX XXXX reguse to provide me documentations validating this account belongs to me. Experian ststed they are not required to provide me valudation of any debt in my crefit file. The debt is result of fraud/ Idenity Theft. I 'm aware that Experian is being paid by XXXX XXXX XXXX to keep the debt in my credit file. Therefore, this is why Experian refuse to delete the fraudulent debt and do not have any documentations validating this debt. I have contacted the media about this case. I also was questioned by the media how CFPB has handled this case because this is my second time filing this complaint with the CFPB. Experian also refuse to delete unauthorized inquiries in my credit file even though the creditors notified Experian to delete the inquiries. I also mailed Experian letters from the creditors telling them to delete the inquiries.

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 2017-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I made a promotional purchase with deferred interest for 6 months on my Lowes credit card, managed by XXXX XXXX. In the meantime, I made smaller purchases and have always paid off my card balance for each month or made the minimum monthly payment of {$25.00} to cover the deferred interest promotion requirements if I made no purchases. Last month, I paid off my monthly statement balance {$50.00} with an extra {$25.00} towards the promotional purchase. When I opened my statement this month, I was surprised to see interest charged to my account Thinking that maybe I paid the balance late, I checked my last statement, and it was due XXXX/XXXX/XXXX, and payment was received XXXX/XXXX/XXXX. Since the promotional purchase was not due, there should be no reason for interest to be charged to me. 

I called Synchrony, and it turns out that they decided to apply my payment differently this time. Although I only truly owed {$50.00} for last month ( not withstanding the *additional* {$25.00} payment made ), they only applied a portion of my payment towards the {$50.00} and charged me interest on the unpaid portion of the {$50.00}. This is absolutely unacceptable behavior! Their representative, XXXX, refused to explain why they did this or even what portion was of my {$75.00} payment was applied to the {$50.00} owed that month. He did agree to waive the {$0.00} interest charge. It is plainly obvious why they did this - they wanted to increase their revenue at the end of the year. While {$0.00} is n't a large sum of money, how many other customers have they done this to and likely for larger amounts. 

While the credit card statement gives the usual perfunctory legal language about " applying a payment in a different way, please call Customer Service '', it is very underhanded. This is fully reminiscent of how banks did " ordering '' to maximize overdraft fees. And, CFPB filed a lawsuit earlier this year against XXXX XXXX XXXX  on this issue, I believe. CFPB should put a stop to this as well.

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 2017-12-20 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: MO

Complaint narrative:
According to my credit reports dated XXXX/XXXX/XXXX. XXXX XXXX XXXX has an account listed with all three credit bureaus with incomplete and or inaccurate information. They are all listing incomplete account number, all three have different account status listed. One shows with XXXX closed/current/paid last updated XXXX/XXXX/XXXX, another with Equifax closed/derogatory/placed for collection updated XXXX/XXXX/XXXX, and the other XXXX closed/delinquint updated XXXX/XXXX/XXXX. I have disputed this account and it does not show my dispute on the credit reports. Two have the same phonenumber and address for the company listed the other one shows a totally different address and contact number. My disputes came back as verified. How can they come back verified if they are all showing different statuses. 
Thank You for Your Time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
According to my credit reports dated XXXX/XXXX/XXXX. XXXX XXXX XXXX has an account listed with all three credit bureaus with incomplete and or inaccurate information. They are all listing incomplete account number, all three have different account status listed. One shows with Experian closed/current/paid last updated XXXX/XXXX/XXXX, another with XXXX closed/derogatory/placed for collection updated XXXX/XXXX/XXXX, and the other XXXX closed/delinquint updated XXXX/XXXX/XXXX. I have disputed this account and it does not show my dispute on the credit reports. Two have the same phonenumber and address for the company listed the other one shows a totally different address and contact number. My disputes came back as verified. How can they come back verified if they are all showing different statuses. 
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 2017-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I lost my HSBC debit card in XXXX 2017. When I noticed the loss I immediately contacted XXXX XXXX and they informed me about fraudulent charges of XXXX XXXX. I was told that my funds will be restored and they will send me a new card. I contacted XXXX police department and filed a police report XXXX and I also filed Identity theft report with Federal trade commission XXXX too. I provided all that information to HSBC and their employee XXXX XXXX. It is already three month that my funds are not restored. I contacted HSBC several times and nobody helped me. Everybody told me that I should talk with XXXX XXXX and that person was never available or returned my calls. I am out of XXXX XXXX of my hard earned money and HSBC bank never tried to help me and secure my funds. None of their employees ( especially XXXX XXXX ) or supervisors did any investigation or contacted me to help this matter. This type of service from HSBC is against Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, and from my experience they dont care and have no interest helping their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: MO

Complaint narrative:
There are four accounts listed on my XXXX and Transunion credit reports that do not belong to me. They are all from the same company with different amounts showing. The company is XXXX. I have disputed these accounts and Transunion has supposedly deleted one of them off of my credit report. XXXX XXXX shows a notice which says : Collections Account Removed XXXX between XXXX XXXX, XXXX and XXXX XXXX, XXXX your XXXX collections account was removed from your credit report. My credit report dated XXXX XXXX stills shows them all on there. These accounts do not belong to me and I want them removed from my credit reports. 
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 2017-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX. I have {$430.00} in my account and there is not an option to request a check. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
This incident happened on the XXXX XXXX XXXX XXXX XXXX. cryptocurrency exchange. On XXXX XXXX 2017 at XXXX XXXX I Completed limit buy order for XXXX ETH @ {$440.00} for a total of {$330.00}. I then attempted to withdraw XXXX ETH from the exchange and then the website timed out. It then threw my funds back into an open order with no option to cancel. Now I can not access my ETH funds. Their support is giving automated responses and is not listening to my problems.

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 2017-12-20 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: SCA Collections, Inc.
State: FL

Complaint narrative:
I contacted XXXX a couple of months ago concerning SCA Collections reporting to them a medical bill that does not belong to me. Both XXXX and SCA have blatantly ignored my requests and continue to report false information in my credit report. It is ridiculous how companies are allowed to get away with reporting whatever they want and the consumer having to jump through hoops to straight out THEIR mess. If this does not resolve the issue, I may be forced to take legal action. This is the second complaint I have filed with the CFPB. The medical bill DOES NOT belong to me! Secondly, this company IS NOT LICENSED to collect in the state of Florida so even if the debt were mine, which it absolutely is not, SCA is illegally attempting to collect. Why do n't they have to furnish a license? Why are they able to get away with illegal practices? I request ANY AND ALL documentation supporting their claim that this bill was acquired by me. I need a signed contract between myself and SCA Collections to prove validity of this debt. I will not back down. This is MY credit and MY life! I will not let this go!

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 2017-12-20 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: MO

Complaint narrative:
There are four accounts listed on my Equifax and XXXX credit reports that do not belong to me. They are all from the same company with different amounts showing. The company is XXXX. I have disputed these accounts and XXXX has supposedly deleted one of them off of my credit report. XXXX XXXX shows a notice which says : Collections Account Removed XXXX between XX/XX/XXXX and XX/XX/XXXX your XXXX collections account was removed from your credit report. My credit report dated XX/XX/XXXX stills shows them all on there. These accounts do not belong to me and I want them removed from my credit reports. 
Thank You for Your Time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Counsel, Inc.
State: SC

Complaint narrative:
I recieved a letter in the mail from Credit Counsel Inc. debt collector. When i asked for verification they sent a form which also had my diagnosis on it as well which I know is a HIPPA violation and they were not suppose to have that information. The information was sent to the from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX sc.

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 2017-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: KY

Complaint narrative:
While checking my credit reports I noticed a collection from Midwest Recovery Systems. This is not my debt and I have n't heard from Midwest at all concerning this unverified debt. This violation of my rights has caused stress and damage to my credit report. On XXXX XXXX, XXXX I sent a letter to the creditor asking them to validate the debt as well as remove the debt if the information was reporting inaccurately. I 've received no feedback from this company. I did receive a notification from a credit monitoring system I subscribe to that the debt was being reported as a collection. I have NO KNOWLEDGE of this debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My payments are every XXXX of the month. I made the payments thru the mobile app and was never recorded. This happened for the months of XXXX, XXXX and XXXX of 2017. I requested for this account to be put on an auto pay since is on the business name ( XXXX XXXX XXXX ) but under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
XXXX XXXX 2017 Coinbase enables BitcoinCash trading. The price of the coin was moving up before the announcement. 4 days prior to that Coinbase listed a road map that stated Bitcoin Cash would be available for withdraw only. I was not able to sell my Coins because Coinbase did not enable me or other Customers. The site was down and it is still down. There was no prior notice of this action. The price rose as high as {$9000.00} before crashing to {$3200.00}. But prior to this the price moved up before they even announced it. I feel many users n this exchange have been defrauded by the actions of Coinbase. They have listed a policy of employees trading but there is more substantial evidence that Coinbase is acting to mislead its customers. I want to know why they listed this at a minutes notice. I want to know why it was being promoted heavily and even XXXX XXXX  calling Bitcoin Cash Bitcoin. I also feel listing 2 similar names to be confusing to some. Coinbase has not answered any question of this and I feel they coordinated to collide with others at the expense of their customers. I feel Coinbase is using deceptive practices. I feel Coinbase is using predatory actions and not being truthful with their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: KY

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify or validate the accounts i disputed. Being that they have gone past the 30 day mark and can not verify/validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... Promptly delete all information which can not be verified '' that I have disputed. Also there were two collection accounts removed from my reports and they were promptly re-reported without any notification. Please resolve the manner as soon as possible. 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 2017-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
requested statement of account for the year to date in XX/XX/XXXX while capital one was still servicer of mortgage. mortgage was scheduled to be transferred to another sevicer XX/XX/XXXXXXXX money unfairly held in unapplied funds was allegedly applied to principal after a prior complaint to the cfpb requesting this. representative greed to send .capital one blatently ignored my request I now have no proof that capital one applied my funds to principal i have no proof of correct loan balance to compare with new servicer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My payments are every XX/XX/XXXX of the month. I made the payments thru the mobile app and was never recorded. This happened for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I requested for this account to be put on an auto pay since is on the business name ( XXXX XXXX XXXX ) but under 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 non-monetary relief
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I keep on getting letters from a company called XXXX XXXX XXXX, in regards a debt I do n't even remember, it most likely be over past 9 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I did transfer to XXXX LTC now worth over $ 180K from coinbase to my Ledger wallet, Coinbase time frame is 3 business days, today is the XX/XX/XXXX and trx still showing pending. I tried to contact their support 5 times but of course for scam company no one responds! I think this company does n't have the coins it claims to have on their platform, they use consumer money to make money then who knows if they file bankruptcy and XXXX the consumer in the XXXX! 
Case ID : XXXX Created : XX/XX/XXXX XXXX PSTTransfer ID : XXXX Sent to address : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase sent us a Schedule of Unauthorized Transactions form listing a transaction from XXXX in XXXX, WA on XXXX XXXX, XXXX for {$1700.00}. 

This transaction is shown on our bill for XXXX XXXX as taking place for the above amount. 

Why was this transaction allowed to go through and be charged despite being on the Unauthorized Transactions letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I keep on getting letters from a company called XXXX XXXX XXXX, in regards a debt I do n't even remember, it most likely be over past 9 years.

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 2017-12-20 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:
I have made the following withdrawals from my XXXX  account, and these were indicated to become available on my bank account by XX/XX/XXXX/XX/XX/XXXX, but have not been sent to my bank account ( IBAN : XXXX ) as of yet. 

Similar withdrawals in the past, were always successful, and received within the indicated timeframe. 
I need the funds to be available as soon as possible, and as the total concerns over XXXX USD, I hope you can appreciate the urgency. 

I have tried to contact the company, but to no avail, as there is no response to my submitted ticket ( case # XXXX ), and their helpdesk via phone keeps one in the queue endlessly ( I had to hang up after 1.5 hours yesterday ) I appreciate your help in this! 
Thank you in advance, XXXX XXXX XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX  Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX Withdrawal date : XX/XX/XXXX XXXX EUR Internal reference : XXXX

Company response to consumer: Closed with explanation