vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed 1 item on my report. The notified me that the investigation was complete. I was to go online and get the results. I have not been able to get the information online. When i finally got the number to call they said the had many complaints of the same nature. It has been over a week and still nothing. I am still unable to obtain credit because of a misreporting in equip. I have had credit for 35 years and never never a problem I am at a loss as to what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: CA

Complaint narrative:
I have a loan with SYNOUVUS/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SYNOUVUS/XXXX with no successful resolution. XXXX, XXXX  and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
This complaint is in addition to complaint number XXXX-XXXX : U.S. Bank recieved checks from merchants and clerly marked or wrote closed account on the checks and sent them back to the merchant, when in fact the account was not closed, becuase of there wrong and negligent bussiness practices, i have been charged with a criminal case because the merchants did not attempt to submit the checks for payment a second time due to U.S bank writing Closed Account. Then when i wrote the first complaint the Representative from us bank did not read my complaint and made it seem like i asked for my account to be closed when in fact i never asked for it to be closed, she just tried twisting they're words she clearly did not read the complaint. I will Submit All evidence i have for the above complaint. The other complaint is that all my account history does show any checks even being ran through my account and i called customer services and they said there wasn't no recorded but if you clearly read the evidence paper marked with a big x you will see checks order fees. Also There was a savings plan i was in where i never got visa gift cards in the amount of {$10.00}. I have more evidence i will send it because i have to obtain it but here is one check clerly marked account closed before the close of the account by us bank on XX/XX/XXXX the check is marked by us bank XX/XX/XXXX, lastly  XXXX XXXX says i received letter by the XXXX branch manger i did not ever receive no letter and the letters she inserted in the response to the complainant mentioned are not signed or dated i believe us bank made them after the fact because they are not signed or signed dated

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 2018-06-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Starting XX/XX/2018, I have submitted numerous written requests to both the creditor and Equifax to have this account validated. I have had several invalid addresses, phone numbers, inquiries and accounts show up across various credit reports. Yet Equifax keeps sending updated " verified '' credit reports with instructions to contact the creditor directly for any further concerns ( I've received no contact from the creditor themselves ) and when calling the XXXX/XXXX using the number provided by Equifax 's own " investigation '' ( XXXX ) it's an automated messaging system that directs you BACK to Equifax for any disputes. It's an endless loop between the creditor and the credit bureaus and the consumer is caught in the middle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
It shows on my credit report that there is a AWA collection from XXXX XXXX XXXX. I have never get a loan from this company and never received any statement from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Im not sure if this is the right place to report this complaint but this is the direction I was pointed to ... the formal complaint is not with my bank as they are already working on an investigation ... my complaint is with coinbase at this time as I am at a dead end until I hear from my bank about the pending investigation. 

Today ( XX/XX/XXXX ) I tried to purchase a pair of tickets from a seller on XXXX   for the XXXX game tomorrow ( XX/XX/XXXX ) night. Initially the seller told me to use XXXX friends & family - which didnt work ; next we tried XXXX XXXX which took too long ( according to the seller ) to receive the money ; then I tried the app I use XXXX XXXX and all four transactions were refunded immediately as they canceled the payment for my protection ( all three were red flags from the beginning ). Finally the seller asked if I had used bitcoin via XXXX ; the seller told me it was secure with a paper trail just in case anything goes sour. Well theres no paper trail of the bitcoin transfer, just an address to where I sent the bitcoin. After both transactions ( two separate transactions for {$300.00} ) went through, the seller stopped responding and wouldnt answer any phone calls. I immediately called my bank & they canceled my checking card and put a hold on my account ; they opened an investigation into bitcoin to try to prove the scam. I called XXXX to report fraud and they said there was nothing they could do ; they also said there was no way to cancel or reverse any transaction. 
I also contacted DC XXXX police & they told me there was no point in opening an investigation with them, that that was the banks issue. 

I have a name ( s ) and associated email addresses that will be provided. The name he used to access XXXX XXXX, and I have the address in which he had me send the bitcoin. I also have a cell phone number he was using - not sure if anything is real or not, but all will be provided. 

Attached are copies of the emails they tried to get me to send money to, along with two different names via XXXX XXXX, XXXX XXXX and bitcoin. Attached also is a copy of the refunded email I got via XXXX XXXX which they canceled the transaction four different times for my protection, a few text message threads with associated phone number and associated bitcoin address.

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 2018-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I attended XXXX-XXXX  XXXX, Ga from XX/XX/XXXX until XX/XX/XXXX. I feel that I was coerced, and misled in signing for student loans. I graduated with a {$40000.00} XXXX XXXX that no one really honored. I was never told about the amount until it was too late. They constantly called until I decided to attend. After about half way through the program, I wanted to quit because I felt I wasn't adequately being trained for real world job field situations. They constantly changed instructors, who allowed favored students to cheat, while others really studied. There were a couple of good instructors, but most were not. I continued with school because I didn't want a loan without the reward of a degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have four accounts that I disputed over a year ago. They are ( XXXX XXXX XXXX -XXXX XXXX ( There are two of these same company different debts ) and finally XXXX XXXX ) The XXXX XXXX both say that consumer meets the criteria to have dropped off my report. Its not. It also shows even though there closed and owing {$0.00} there marked as bad debts. One is listed for {$4000.00} it says it was opened on XX/XX/XXXX however it says date reported was XX/XX/XXXX.?? If this was just recently reported why and how did I dispute over a year ago. I wouldnt have disputed if I didnt know it was listed.? Also XXXX XXXX consistently called myself and girlfriend everyday from XXXX - XX/XX/XXXX while at work and we repeatly asked them to stop calling during work hours they didnt until we finally disputed it. The last two XXXX XXXX and XXXX XXXX are both also showing they were recently reported the first mentioned XX/XX/XXXX and opened on XX/XX/XXXX {$340.00} and it was disputed and at one time dropped now its saying its never been disputed and showing {$0.00} payment or owed and yet listed the amount as a open bad debt? Same scenario with the second {$58.00} reported on XX/XX/XXXX and opened on XX/XX/XXXX says its open and not disputed. The files Im uploading it says their open active placed for collection and yet these are collection companies who originally bought debt and was disputed and found in my favor before another debt collector bought it. I know in under the FCRA when a collection company does buy a debt of a person they have paid bill. My contract was never agreed to with a collection company which makes it null and void.

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 2018-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to make a deposit with Bank of America on XX/XX/XXXX. I initially wanted to deposit 11 - {$100.00} bills, 40 - {$20.00} bills, 1 - {$10.00} bill and a {$300.00} check. When I reached the counter I remembered that I had an additional {$200.00} that I wanted to add to the {$2200.00} that I had already written on the slip. I handed the two {$100.00} bills to the teller without realizing in the moment that I needed to adjust the amount I had written on the slip. The teller didnt adjust the total amount either.

The following Tuesday, XX/XX/XXXX, I made a call to Bank of America customer service. I was told that they would open a claim and that I would be contacted within five days with a solution.

I didnt receive a call, so on XX/XX/XXXX I had my daughter call them as my English is limited. Through her conversation I learned that there in fact was no claim that was filed and I needed to go into the branch to resolve this issue. 

On XX/XX/XXXX I went into the same branch with my daughter and spoke with the branch manager. She checked the tellers and the banks records that day and said that there was nothing off about their records for that day and that theres nothing that they can further do.

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 2018-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, Transunion and XXXX with no successful resolution. XXXX, XXXX and Transunion are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and 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 explanation
Consumer complaint received 2018-06-02 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: GA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX, XXXX  and XXXX with no successful resolution. Equifax, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: GA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Experian, XXXX and XXXX with no successful resolution. XXXX, Experian and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and 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 explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
i had XXXX reward credit card from chase. a month ago chase offer me a upgradede link to upgrade to new XXXX plus credit card.before i upgrade my XXXX card i read the term said chase going to credit me XXXX dollar to my account but today i call chase told they only credit XXXX from XXXX fee from old card that i didnt use and they going to charge me XXXX soon .so i am paying XXXX and XXXX XXXX for my card old card fee is XXXX new card fee is XXXX even the difference is XXXX dollars i feel chase is actully charge 2 time the fee. i feel chase doing something totally different from what i read before upgrade.i feel so disappointed for that i hope can check the link i used for upgrade

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
1 ) Bank of America hung up on me two times when I tried to close my credit card account.

2 ) I have a $ XXXX credit due a refund for mattress purchase on my account after the account closure that they make difficult to request. I have been waiting on hold for 4 HOURS on the line for a customer service agent, waiting for anyone to pick up the line. I'm willing to bet that, should I let the call continue, l will progress through the night on hold. Strangely, I can't email them to request a refund, leaving me only with snail mail as an option for a refund. 

A process for a refund for my closed account credit is absent, after several searches.

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 2018-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX I purchased 3 US Bank visa gift cards on XX/XX/XXXX for {$500.00} each. 
Upon opening the packaging, I noticed these US Bank gifts cards were tampered with. I tried spending them in store, but the magnetic strips were defaced with glue. I called in to the number of the back of the card to inform US Bank to close the cards down and send me replacements. 



I was assured this would happen. It did not. Replacement cards were eventually sent to me, but a hold was never placed on the original cards. They were used fraudulently the very next day ( XX/XX/XXXX ) and a week later, I received cards worth a few cents instead of the {$1500.00} I had loaded on each one. 



It is now almost a month later and there is no sign of resolution. 

I am staying at my address of XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX until the XX/XX/XXXX. Please ensure that if resolution is sent via mail, it arrives before then. I would also accept the full {$500.00} being transferred into the replacement cards I was sent. 



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 non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX XXXX XXXXXXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Hello, on my credit report is shows that I have over 90 days unpaid on student loans when i Had deferments at the time, the status of the loans are currently correct, as i am now in a deferment. But I have sent Goodwill letters, certified, to get the old late payments removed from my report and I havent been able to get this handled. Its damaging my credit score, Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Based on their random credit score check, XXXX XXXX   reviewed my account and received a letter dated XX/XX/2018, pulled my credit score and determined that my account is closed immediately.

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 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, on my credit report is shows that I have over 90 days unpaid on student loans when i Had deferments at the time, the status of the loans are currently correct, as i am now in a deferment. But I have sent Goodwill letters, certified, to get the old late payments removed from my report and I havent been able to get this handled. Its damaging my credit score, Please help. 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 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, on my credit report is shows that I have over 90 days unpaid on student loans when i Had deferments at the time, the status of the loans are currently correct, as i am now in a deferment. But I have sent Goodwill letters, certified, to get the old late payments removed from my report and I havent been able to get this handled. Its damaging my credit score, Please help. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, on my credit report is shows that I have over 90 days unpaid on student loans when i Had deferments at the time, the status of the loans are currently correct, as i am now in a deferment. But I have sent Goodwill letters, certified, to get the old late payments removed from my report and I havent been able to get this handled. Its damaging my credit score, Please help. 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