vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-24 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: MD

Complaint narrative:
Several attempts have been made since XX/XX/XXXX by contacting XXXX  by phone and in writing to resolve the inaccuracies with the payment history of my credit reports. I have followed up with them every 90 days and have found no resolution to this issue. XXXX has made several 30/60/90/120 late payments reflecting that my payment has been late but I had my account continuously in forbearance due to financial hardship since they had ownership of my account. For the period of time they have me reported as late, my student loans was still with XXXX XXXX XXXX/XXXX. For some reason, when they merged accounts, it caused my accounts to be duplicated and incorrect. It seems as though the customer service representatives have no way of correcting this issue with finding pertinent information concerning the financial hardship request in there system. The inaccuracies starts as early as XX/XX/XXXX but my account did not transfer to XXXX until XX/XX/XXXX and at that time I contacted them directly to notify them that I was not in position to pay my student loan debt because I was contemplating on filing for bankruptcy and I suffered with financial hardship dealing with medical problems, decrease in finances due to divorce and trying to maintain household expenses as a single parent. I'm asking for XXXX to work along with XXXX XXXX XXXX ( XXXX ) to resolve this reporting issues. I found that some of my accounts has been updated but not all of them.

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 2018-03-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a victim of their inquiry issue from Trans Union, the Trans Union customer service does not provide help and dismantle customers. 
This is the worst experience I have experienced. After the call, I feel Trans Union are retaliated the customer, and added another hard pull to my credit report. The score was reduced by 7 points.Trans Union are illegal ( by section 6-11 ) add XX/XX/XXXX inquires back to my report on XX/XX/XXXX, after the phone call with there customer, make me became Trans Union victim of their inquiry issue again.By section 6-11, they are illegal do that, and they are add 7 unauthorized inquiry to my account since two month ago. all the unauthorized hard inquiries from my report should remove.

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 2018-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a {$1600.00} US transfer to a friend via XXXX linked to Bank of America. My friend received a text message to her cell phone saying that she should receive the money soon. That never happened. 
I opened a dispute with the Bank but they dont want to return me the money, even when I have the screenshot of the text that my friend received.

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 2018-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When buying my first house, while shopping for a mortgage I decided to proceed with a certain bank based on a specific rate and no points. The bank representative suggested to proceed locking the rate and we did it ( looking back it seems I was just told it was ). 

Once the loan application was conditionally approved, a month later, a point was added to closing costs without informing me. 
I realized it the next day and immediately informed the bank, requesting to remove the extra point. 
The bank refused to remove the point, taking advantage of my necessity to close the purchase and mortgage asap in order to push me to accept the extra payment. 

Looking back at the documents provided by the bank, I recognize that wordings and fine prints might be against my position. But the description of the steps and explanations provided by the bank representatives along the process and the large amount of documentes requested every other day to feed the approval of the loan, put a first home buyer well in disadvantage against unfair treatment.

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 2018-03-24 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:
I have an account with experian thatbive been trying to cancel for 2 years and can not get cancelled. Theres no option to cancel on the website, Ive tried calling to cancel and can not get through to anyone at experian. Its a monthly recurring charge that has increased since it started.

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 2018-03-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Information from my original complaint dated XX/XX/XXXX : Around XX/XX/XXXX, I reopened my USAA checking and savings accounts. During this time, I was searching for a personal loan due to being in the final stages of building a home. By XX/XX/XXXX, I ended up applying to a lending company that asked a few questions I felt were about personal information, but I applied anyway and soon after that I started to notice suspicious activity occurring on my account and an unknown external account, which I never authorized to be attached to me account. I notified USAA as soon as I found out about this on several occasions and asked to have the account detached from my profile and the money returned to wherever it came from. I was told that the account belonged to XXXX XXXX when I spoke to one of the representatives and I explained to her that have never owned an account with XXXX XXXX. In XX/XX/XXXX, when deactivated the debit card attached to the account, I started receiving threating text messages and phone calls from someone regarding the money and this account. Immediately, I went and filed a police report at my local department. Shortly after, I received correspondence from USAA stating that they were no longer going to do business with me due to the suspicious activity on my account and although I made numerous calls before and after these letters, I had been given the run around and routed through several departments to be told that my calls were not recorded or there was nothing that could be done about the situation. In XX/XX/XXXX, I received two letters stating that USAA was able to garnish my Federal Income Taxes and my Military Pay. I dont know how this has been able to happen because I havent heard from this company since XXXX. I was a victim of fraud and I can not afford to have over {$6000.00} taken from me when I didnt paly any part in this situation and I notified this bank on numerous occasions to try to stop this from occurring. Can you please help me? 

Additional Information : USAA knowingly allowed fraudulent checks to be drafted on my checking account. When I spoke to a representative regarding the money that was taken from this account, it was acknowledged that USAA NEVER created checks for ANY of my accounts, the checks that were paid had my name misspelled and other errors on it, and my signature was clearly wrong. I also don't know how USAA was able to garnish my military benefits under the Servicemembers Civil Relief Act without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried to pay a bill for {$100.00} but some how {$900.00} was charged. I called immediately and was told it could not be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Some time ago, I sent Chase a letter informing you that I will be sending a check with a conditional endorsement which laid out the terms of an accord. USPS shows that the company received this letter l as shown in the attached copy of my certified mail receipt below and according to USPSs mail tracking website. 

Also, attached is this letter is a copy of cashed checked which proves that they failed to honor the conditions set forth by the check to delete the negative reporting from my credit report. I have attached a screenshot of my credit report proving that the company broke the accord set forth by the conditional endorsement check they have cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: TX

Complaint narrative:
Someone my ex wife is using my social security number and personal information along with other people that stole my ID card to give her for use. Have capital one info in my name and social security number in never used or tried.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX sent bill for of XXXX for services rendered. This debt was sent to XXXX XXXX XXXX for collections. A settlement offer was sent for XXXX. This was paid by money order. No further contact was made in regards to this debt. A year later this debt was reported to the credit bureaus as an account still in collection for XXXX by Phoenix Financial services. This is incorrect as debt was previously settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
I have be using Coinbase and XXXX for cryptocurrency Investments, however on XX/XX/XXXX my account got " disabled '' for an unknown reason, I have tried contacting support multiple times since then but still have not gotten an answer or a solution. I have access to my coinbase account, however my money is all kept on XXXX   which is owned by coinbase, when I try to log in it tells me that I need to contact support, but I get no answer from them. The account has over 8000 dollars in it and also some cryptocurrency of a value of more than 1000 dollars. I need to be able to access my XXXX  or have all my assets in XXXX  transferred to coinbase for me to withdraw them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
bank of america and XXXX XXXX  XXXX violation of my right reporting inaccurate info and not letting me into my online bank account

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 2018-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
In XX/XX/XXXX, I was notified that liens had been filed against me in the state of Alabama for unpaid taxes in XX/XX/XXXX & XX/XX/XXXX. I had XXXX XXXX in XX/XX/XXXX and moved to Colorado for XXXX XXXX, where I was a resident in XX/XX/XXXX & XX/XX/XXXX. I was able to dispute this with the state through tuition payments, addresses, car registration and my driver 's license in Colorado. I disputed this on my credit reports as well with all three bureaus. It has negatively affected my ability to purchase a home and a car in recent years. Transunion and XXXX  still have it showing up on my credit report as a " paid and released lien ''. I never paid the lien, because I never owed it. I would really like the entire thing removed from my credit report. Attached are letters from the Alabama   Department of Revenue rescinding the liens and acknowledging that I did not ever owe them nor did I live in the state during those 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 2018-03-24 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
In XX/XX/XXXX, I was notified that liens had been filed against me in the state of Alabama for unpaid taxes in XX/XX/XXXX & XX/XX/XXXX. I had XXXX college in XX/XX/XXXX and moved to Colorado for XXXX school, where I was a resident in XX/XX/XXXX & XX/XX/XXXX. I was able to dispute this with the state through tuition payments, addresses, car registration and my driver 's license in Colorado. I disputed this on my credit reports as well with all three bureaus. It has negatively affected my ability to purchase a home and a car in recent years. XXXX and XXXX still have it showing up on my credit report as a " paid and released lien ''. I never paid the lien, because I never owed it. I would really like the entire thing removed from my credit report. Attached are letters from the Alabama Department of Revenue rescinding the liens and acknowledging that I did not ever owe them nor did I live in the state during those 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 non-monetary relief
Consumer complaint received 2018-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I applied to a Credit Union as was told I could not get an account because of a ChexSystems report. I had no idea what that was, so I ordered a copy delivered. 

Upon delivery, I see a mark from XX/XX/2013 from XXXX XXXX that says " Account Abuse ''. 
The total amount claimed to be charged off was XXXX. 

This is completely inaccurate. I still have accounts in goodstanding with XXXX XXXX. I never received any notices, and I certainly did not abuse my account. This was a joint checking account that was soley used to pay our mortgage at the time. This is a bogus description and a bad business practice. I had other linked accounts and was never given information about any abuse of the account.

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 2018-03-24 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: TX

Complaint narrative:
I called Experian about my student loan being discharged in XX/XX/2017 and to have them update this information. I must admit this was a task so many prompts and when I got close to speaking with a representative the wait was over 2 hours. Then I receive information that a fraud alert or freeze had been placed and I will be billed XXXX. I called Experian again took forever to reach a person and I told her that I didn't want that freeze or alert. I then receive documentation from experian and the others the alert is still there but then experian representative wrote in the letter ... The number you provided when adding this alert is XXXX I havent used that number in over a year and I clearly gave that person my correct number XXXX! This is scary when the credit bureaus are being deceitful and then charging you. Their repeated attempts to trick the people into purchasing an alert or fraud is wrong. I have enough going on health wise that why I got approved for XXXX and XXXX XXXX XXXX and one of my issues is having a XXXX XXXX. The credit bureaus games only anger my person and that's not good. Then experian then prompted the other bureaus to place a freeze on their part too. I had applied for a credit card and denied due to alert or freeze placed erroneously.

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 2018-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened a promotional account as a brand new customer at XXXX XXXX on XX/XX/2017. I  deposited XXXX and was supposedly to get XXXX in 3 months now its been 4 months. I called up HSBC and the guy said they will review my case for another 3 months and then deposit the money if Im eligible but on their promotion they said 3 months not 6!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: GA

Complaint narrative:
Americollect XXXX- {$450.00}, {$680.00} and {$1000.00} Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Applied Business Services, Inc.
State: GA

Complaint narrative:
Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: IL

Complaint narrative:
I've reported a dispute with XXXX XXXX XXXX through Experian credit Bureau twice ..first response was Consumer meet FCR reporting ... I sent in documents, notizied by by my bank, with a copy of my Personal ID, and certified..with a Identify fraud imformtion report asking for information on this account ... I received a letter saying it was A '' Bill '' ..I included a copy of the letter also ..with a notice to Furnisher..but Experian allowed the collection agency still report to this account without any information about this bill confirmation ... The so called Bill I received was a typed up letter on the the collection agency letter headed ..with no information or signature of service of what hospital this Account accurate.this is my second dispute with this company..my next step is to file charges with my local courts ..the Bill is from XX/XX/XXXX ..I demand this account be removed off my Credit Report .. Experian and XXXX as not sent me any supporting documents about this account as of XX/XX/XXXX ... This is not my Account.

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 2018-03-24 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: Ability Recovery Services, LLC
State: OH

Complaint narrative:
I disputed this account and Im getting no results from the creditors other than it meets FCRA requirements which isnt accurate. I have no ownership for this account

Company response to consumer: Closed with explanation