vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried to get my free annual credit report from XXXX but it never verifies my information. None of the questions they ask pertain to me. None of the information is mine and it doesnt matches anything. I need my XXXX, XXXX and transunion updated reports.

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 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried to get my free annual credit report from XXXX but it never verifies my information. None of the questions they ask pertain to me. None of the information is mine and it doesnt matches anything. I need my XXXX, experian and XXXX updated reports.

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 2018-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo is creating false statements and including them on formal documents. They sent me an escrow analysis, which is a formal legal document, during the 1st week of XX/XX/XXXX and on the document they wrote that I had a XXXX overage but that they would not send it to me because I was delinquent. 
That statement that I was delinquent was a false statement and by putting it in the document Wells Fargo is making it an official record. The Facts are my payments are not delinquent, and have not been. Here are the dates that Wells Fargo has cashed my monthly ACH transfers. 
XXXX {$850.00} XXXX {$850.00} XXXX {$850.00} XXXX {$850.00} XXXX {$850.00}XX/XX/XXXX {$850.00}XX/XX/XXXX {$850.00} fee added XXXX ( XXXX )XX/XX/XXXX {$850.00}XX/XX/XXXX {$850.00} This Loan is a VA Loan and the VA has made it very clear to Wells Fargo that my payments are not late until after the XXXX of each month. Yet I am receiving many harassing calls from Wells Fargo. They call over and over again and then when I dont answer they dont leave any message. In addition, Wells Fargo monthy statement they send me each month clearly says that if I should send payment after the XXXX to add a late fee. So then Wells is completely aware that late is after the XXXX of the month as has been explained to Wells by the Veterans Administration. Wells has also been warned they can not write any addition to the loan agreement that does not align with VA guidelines. Yet each month they harass me and create these false documents. 

Over the past 2 years I have complained that Wells was over charging me on their escrow analysis which they deny, yet 4 times over the past 2 years they have had to send me back overages, and twice they have had to repay to escrow money they have move to other areas. This type of falsification is indicative of the corrupt experience I have from Wells Fargo. 

Moreover, Wells is now saying they are raising the monthly amount to XXXX, an increase of {$1.00}. One week later I receive an overage check for {$17.00}. The logic here escapes me. 

First they falsely claim delinquency, then they say there is not enough in escrow to support a {$1.00} increase, then they send an overage check worth more than a year worth of the increase. This is highly unprofessional and suspect. 

Lastly the normal procedure is that if there is a shortage, the mortgagee usually has the option of sending in that shortage amount to maintain the rate. Wells in their XXXX did not include any option to send in pay. In fact they took money out of escrow claiming excess then claimed insufficient funds available to maintain escrow.

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 2018-01-15 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.

Complaint narrative:
I no longer have access to my account as its been 'temporarily disabled ' by Coinbase following a number of incorrect password attempts. I 've contacted Coinbase on the XXXX XXXX 2017 ( support case : XXXX ) asking them to re-enable my account to manage my wallet. I did n't receive a response, even after a chasing email. 

I raised another case ( XXXX ) since and received a generic response linking me to a guide to reset my password, which is unrelated to my issue ( I did perform a password reset in case this was the resolution, however it was not ). I replied to this email with screenshots of the 'temporarily disabled, please contact support ' message, but still have not received a response. 

Until Coinbase unlock my account, giving me access once again, I can not access any funds in my wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
The original creditor and account number is listed on my credit report as XXXX XXXX/XXXX with a first reported date as XX/XX/XXXX partial account and sold to PRA.

The same partial account number appears with Portfollio Recovery Associates ( PRA ) as the debt collection acency with a different first report date as XX/XX/XXXX and XXXX XXXX XXXX XXXX as the original creditor. 
I disputed with XXXX XXXX and Portfollio recovery associates with so far no change to my credit report. I read this is called re aging by the collection agency and is a violation of the Federal reporting agency. I do have copies of my credit report with both items and date listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a Lowes CC through Syncrony Bank. I paid off my account on the due date of XX/XX/XXXX They assessed a late fee on XX/XX/XXXX a day before it was late. They said it would be reversed when the payment posts, but in my opinion I should not have been assessed a fee until XX/XX/XXXX at least. Also, if it takes them 24-48 hours to post the payment, the fee should not be assessed until they get payments posted for that day. I paid online through their website so they knew about the payment when I called them. This is heavy handed unfair practice and makes me feel like I am required to pay before the bill is actually due.

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 2018-01-15 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: DISCOVER BANK
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX, On XXXX/XXXX/XXXX I called Discover customer Service and was told that my Credit Card was canceled. I had just made a payment of XXXX. I struggled to make payments back in XXXX due to a job loss. I was able to eventually get caught and have been making payments on time for about 2 years, my card available balance was not made available to me for about 2 years and also my card was restricted from my personal use, I was told this would only be for a short time. I feel that I was lied to so that discover could continue to receive payments from me. when I called on XXXX/XXXX/XXXX I was told a letter was sent out to me verify that my card had been canceled. I have never received a notice in the mail nor an e-mail or anything about this. I have also have been paying extra on my payments in the last year. I do n't think this is fare because closing this account will affect my credit. Discover advertise false advisement on how much their customers are important. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I can not access my online checking and savings despite several attempts to reset my password via email /text message conformation. However I was sent an email of a over drawn balance although I did not have any account activity.

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 2018-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I have tried to dispute two items with Transunion, and the credit reporting agency steadfastly refuses to update their records to reflect what is in my XXXX report. If they dont comply and soon, then I feel at this point the only option left for me is to pursue a remedy in either small claims court or through the federal court system. 

The two items in dispute are an account from a company named XXXX back in XXXX which is no longer in business as I understand it and a student loan from XXXX ( a private company ). The student loan was in constant deference until it was transferred to another agency where the loans were entirely discharged due to my XXXX XXXX. XXXX continuously reported the loans late on my credit even though they never were.

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 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I received a letter from Southwest Credit with an attempt to collect on an alleged debt from XXXX XXXX XXXX, stating placement date of XX/XX/XXXX for the amount of {$330.00}, and stating Southwest Credit Reference Number : XXXX. I sent them a letter on XX/XX/XXXX requesting that they verify the alleged debt. The company did not and still has yet to verify this debt. They sent me a response back dated on XX/XX/XXXX with a billing statement from XXXX XXXX XXXX. They are threating to report this false, unverified information to the credit bureaus. Furthermore, the company they are trying to obtain the debt on behalf of ( XXXX XXXX XXXX ) has a social security number on file that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
They accepted my deposit but tell me have company do stop payment they are n't closing my account as instructed or giving me my money XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XXXX XXXX required that I come into the local branch to close my account. They would not stop charging me until I physically came into my branch to close the account in person. I called multiple times and called differnet corporate numbers. It was not possible due to a move. I called my credit card customer service number to request a stop payment on this merchant ( XXXX XXXX ) and all future transactions from them. I have an XXXX Chase XXXX credit card. They told me on XXXX XXXX, XXXX that the request was finalized and i would not be charged further by this merchant on recurring charges. I was again charge in XXXX and now XXXX. I called Chase to complain, and they said there is nothing they can do. When they do a stop payment, it is not guaranteed. It is only a request to the merchants bank to stop the payment. They informed me the only way to guarantee i am not charged by this merchant further is by closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one requested a hard inquiry of my credit report on XXXX XXXX that was not authorized or request by me. I tried to contact that company, and they didnt resolved the issue. I lost about 10 points in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: AES/PHEAA
State: NH

Complaint narrative:
I have tried to dispute two items with XXXX, and the credit reporting agency steadfastly refuses to update their records to reflect what is in my XXXX report. If they dont comply and soon, then I feel at this point the only option left for me is to pursue a remedy in either small claims court or through the federal court system. 

The two items in dispute are an account from a company named XXXX  back in 2012 which is no longer in business as I understand it and a student loan from XXXX ( a private company ). The student loan was in constant deference until it was transferred to another agency where the loans were entirely discharged due to my XXXX  XXXX. XXXX continuously reported the loans late on my credit even though they never were.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX requested a hard inquiry of my credit report on XXXX XXXX that was not authorized or request by me. I tried to contact that company, and they didnt resolved the issue. I lost about 10 points in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: FL

Complaint narrative:
Reference XXXX Over the past few months there was an issue ( and reported to you and file was apparently closed ) regarding XXXX. There was information that was not correct and was finally determined it was due to an address change that XXXX did not make letting my account go past 30 days, first time in 30 years! XXXX notified me the issue had been resolved and they apparently notified the credit reporting agencies so they could correct the information that would allow my previous XXXX scores that were in the XXXX 's to be update. XXXX and XXXX both sent updates and both showing the XXXX  score corrected. Experian continues to show the old XXXX score ; I have notified Experian twice and have never gotten a response and they have a responsibility to do what the others did. Do not know what to do, this has been a very costly and intimidating experience over the past months and yet Experian continues to be the last to address the issue and get it corrected.

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 2018-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
Quicken Loans XXXX XXXX, 2016 All we did was put in our information, like they asked, to see what deal they could offer us in case we decided to refinance our home. Nothing ever came of it. We did n't even talk to them. This is not applying for a loan. We checked with several companies to see what they had to offer. They should n't ask you to see what we can do for you if that mean messing up your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: FL

Complaint narrative:
I received a response from Experian from when I filed a complaint with your company. They did remove all the items I disputed at that time but when I received the new report Experian is now reporting a new collection that again belongs to a XXXX XXXX and not me. It 's XXXX XXXX collecting for XXXX XXXX. I have never had XXXX as a carrier. I contacted that company and they stated that it would n't report and that it was n't mine. I have been trying to close on a home loan and Experian has cost me so much money due to trying to get these resolved the rates have increased again. That XXXX XXXX 's social has the same last four as mine and she was born the same year but Experian is not using all information before placing things on my credit 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 non-monetary relief
Consumer complaint received 2018-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank will not allow me to move money from my checking account into another account at XXXX, a California based bank. It seems as if TD does not want its customers to do business with any bank that has ties to crypto currency. 

XXXX has more trusted customers than XXXX XXXX, and I should be able to move money freely between MY own bank accounts. TD should remove the restrictions from their customers accounts and " allow '' them to legally do business with whomever they choose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: VA

Complaint narrative:
A new collection item appeared on my credit file. I was able to successfully dispute the item with XXXX and XXXX. XXXX has since removed this collection item from my credit profile ; and it 's currently under investigation with XXXX. The only issue I 'm having is with TransUnion - I 've attempted several times on different days, with differents web browsers to initiate a dispute via their online website with no success.

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 2018-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I need to send money to my XXXX account. Capitalone is blocking my efforts. They will soon loose me as a customer for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: FL

Complaint narrative:
I received a response from XXXX from when I filed a complaint with your company. They did remove all the items I disputed at that time but when I received the new report XXXX is now reporting a new collection that again belongs to a XXXX XXXX and not me. It 's XXXX XXXX collecting for XXXX XXXX. I have never had XXXX as a carrier. I contacted that company and they stated that it would n't report and that it was n't mine. I have been trying to close on a home loan and XXXX has cost me so much money due to trying to get these resolved the rates have increased again. That XXXX XXXX 's social has the same last four as mine and she was born the same year but XXXX is not using all information before placing things on my credit 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 2018-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
BANK OF AMERICA is a horrible company. They closed my account without my permission. I have complained to BANK OF AMERICA and it 's agents over and over again about closing down an account that should have been closed down. I was hit with over draft fees because I did n't put money in the account. I did n't put money in the account because it should have never been opened up in the fist place. Now they have forced closed my accounts that should be open and kept open the one that should have been closed!

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 2018-01-15 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.

Complaint narrative:
Trading functionality has been " temporarily suspended '' on my XXXX account since XXXX XXXX 2017, this means my money is stuck in the exchange and there 's nothing I can do to solve this issue. 
Customer support is not writing back since XX/XX/XXXX. 
How can I get my money back? 

Coinbase/XXXX case ID is XXXX

Company response to consumer: Closed with explanation