vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 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:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX reporting unknown inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
We bought our home in XX/XX/XXXX and our first payment was supposed to be due in XX/XX/XXXX.  When the loan was sold to Lakeview Loan Servicing , LLC, we attempted several times to make our XX/XX/XXXX payment. We were told that the payment was moved to XX/XX/XXXX and that no payment was due XX/XX/XXXX. We were hesitant to accept this change as our note stated that the payment was due XX/XX/XXXX. We made calls prior to 5/1 and again on XX/XX/XXXX. All documents received from our new lender, including a mortgage statement dated XX/XX/XXXX, show our payment due date is XX/XX/XXXX. However, on XX/XX/XXXX, my husband received a phone call stating that we were late for our XX/XX/XXXX payment. Apparently this was an error made at some point in purchasing the loan and it was fixed on XX/XX/XXXX. If it was fixed on XX/XX/XXXX, we received nothing in writing regarding this change. Now, 2 weeks after the change, and one week after we are already late, they called demanding payment. We have attempted to request that this mistake be cured and our loan modified but were only told that we need to make 2 mortgage payments within the next 20 days to avoid penalties. My husband spoke with a supervisor yesterday who admitted to having made the mistake and told my husband " it shouldn't be a problem to adjust our payments and add a month to the end of the loan ''. When I spoke to them today, the company was clear in offering no cure to their mistake. The last person I spoke to was XXXX, her ID # XXXX. Any assistance in the matter is appreciated. 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 2018-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
First, I bought the XXXX ETH and then sent XXXXETH to XXXX ( to external account XXXX ) on XX/XX/XXXX through Coinbase/GDAX account. 
I have a history on GDAX account and a record with email. 

XXXX : XXXX *XXXX token address - XXXX Secondly, XXXX   sent XXXX XXXX tokens to GDAX ( to account XXXX ) Please find thehash link below XXXX   XXXX XXXXXXXXXXXX XXXXXXXX GDAX told me they can't give or refund me XXXX tokens or XXXXETH. 
I don't know how can I solve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: GA

Complaint narrative:
The referenced collection agency has violated the FCRA and has falsified dates within my my credit file. The collection agency states that the debt is from a XXXX XXXX account in 2015. It is true that I did have an account with XXXX XXXX in 2015 but the account that the collection agency is referring to is not the account that was opened in that year. The account the agency is referring to was opened more than 7 years ago. The date that is in my credit file is not the actual last date of delinquency for a debt owed to XXXX XXXX. The debt collector also has not been able to provide any documentation from XXXX XXXX which is the original creditor they state the debt is owed to from 2015. Instead they are only providing inaccurate falsified paperwork. They contacted me via phone regarding a debt for XXXX XXXX and did not provide any account number or information regarding what account the debt was for. In not providing me with the documentation notifying me of what debt I was paying and to whom the debt collector has violated other laws in the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: GA

Complaint narrative:
The referenced collection agency has violated the FCRA and has falsified dates within my my credit file. The collection agency states that the debt is from a XXXX XXXX account in 2015. It is true that I did have an account with XXXX XXXX in 2015 but the account that the collection agency is referring to is not the account that was opened in that year. The account the agency is referring to was opened more than 7 years ago. The date that is in my credit file is not the actual last date of delinquency for a debt owed to XXXX XXXX. The debt collector also has not been able to provide any documentation from XXXX XXXX which is the original creditor they state the debt is owed to from 2015. Instead they are only providing inaccurate falsified paperwork. They contacted me via phone regarding a debt for XXXX XXXX and did not provide any account number or information regarding what account the debt was for. In not providing me with the documentation notifying me of what debt I was paying and to whom the debt collector has violated other laws in the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23 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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX.I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I received an adverse action notice that denied my employment with XXXX due to my background check. I have been a XXXX for XXXX since XX/XX/XXXX. At that time my pre employment background check was ran and came back clear. XXXX uses a third party background check company named Checkr. Checkr reported outdated background check information to XXXX on my behalf. My criminal background is from XX/XX/XXXX where XXXX XXXX   requirements states that there must not be any criminal record within the last seven years. I have tried contacting both XXXX and Checkr regarding this issue and both companies keep directing me back to the other. I would like checkr to report my criminal background history per companys policies since they are the background check provider for numerous companies. If my background is from XX/XX/XXXX and the company only requires to go back 7 years checkr shouldnt be reporting information that surpasses the 7 year guidelines especially since checkr gave me a clear background check upon employment with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX reporting unknown inquires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX I do not recognize this inquiry - please remove it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This should have been a soft inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I started playing an online game. I made a few small in app purchases for {$4.00} to {$9.00} each. These purchases where made using XXXX XXXX. Thousands of dollars worth of charges have shown up on both of my Navy Federal credit cards. XXXX XXXX  refunded a bunch of them on one of the credit cards but refused to on any of the other charges. I contacted Navy Federal and started the dispute process. They just sent me letters for each dispute saying that they're not going to refund the purchases, I did NOT agree to these charges, dozens of player 's on this game, from all over the country are being charged thousands of dollars that they did not spend. The display of incompetence and the supporting of this fraudulent behavior, displayed by both Navy Federal Credit Union and XXXX XXXX is beyond ridiculous. I have played their games, jumped through their hoops and they are still trying to steal from me. The app is named XXXX XXXX XXXX XXXX. It is a XXXX based game and they are over charging there player 's thousands of dollars. Navy Federal Credit Union and XXXX XXXX is enabling this extortion. I have spent dozens of hours of my personal time trying to resolve these issues. I seldom use these credit cards so I wasn't paying attention to the account balances going up over the 4 or 5 months that these charges where accruing. It is going to be nearly impossible for me to itemize these charges, as I have a XXXX  from an XXXX in XX/XX/XXXX. I truly believe that both of these institutions are using this against me. My inability to sort out every XXXX, I get confused when I get stressed out and I'm unable to work through these things. Bottom line is I did authorize about {$150.00} to {$200.00} worth of charges, not {$10000.00} plus. I no longer have the mental capacity to play these XXXX games.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Fraudulent charges were made on my account on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XXXX I immediately notified the bank, Bank of America of this fraudulent activity and closed that card out. I only used my credit card for all remaining purchases until my card was reissued. 

I sent them back the signed affidavit that I was not present for these transactions, had not given my pin number to anyone, and was physically in XXXX during the time of the transactions. 

I have proof from my XXXX account that I drove to work that morning and proof from fellow co-workers that I was present until the end of the day on XX/XX/XXXX. 

Bank of America has maintained that I have 0 % liability, but they have repeatedly overturned that it was fraudulent based on their narrow criteria that it was within my spending area, that it was not attempted to be used after I reported the card stolen, and that the amounts are not large enough to be trying to clean out my account. Well that may be but it is completely untrue that I am going to be held 0 % liable since they seem bent on proving that I am not their valuable customer but in stead some kind of mastermind criminal, all for XXXX . 

I have already opened a new account at XXXX and will be moving all of my accounts over to them ASAP. Bank of America don't care about their customers and they are the crooks here.

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 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: NC

Complaint narrative:
I told them that ii do not owe them this debt over the phone and I e-mail them online and I am repudiating this debt, but they still send me letters and call me on the phone. GC services limited partnership, XXXX XXXX XXXX XXXX tx XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
32 years ago in XX/XX/XXXX I bought a new XXXX and took out a XXXX loan for 36 months. NYS DMV issued a title for the car showing the lien. I paid the loan off in XX/XX/XXXX and received a loan satisfaction letter from XXXX. NYS DMV removed the lien from the title and sent me a new clear title. Sometime in the intervening years I lost the clear title. 

A few months ago I paid NYS DMV to issue a replacement title. When I received the title it listed Ally Financial as a lienholder. Ally Financial has been a successor in interest to XXXX since about XX/XX/XXXX. 

Ally Financial can not locate any documents supporting this lien for this 32 year old car. They can't tell me if someone else fraudulently borrow money on my old car. They can't release the lien. As a result, I can't sell the car to  a junk dealer! 

I have no open accounts with Ally Financial. The only identification number I have is the VIN for the 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 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: CT

Complaint narrative:
I have a rental property, the boiler stopped working, XX/XX/2017.I called my oil company XXXX XXXX to check it. The oil company XXXX XXXX did not notice me at all. I was told they replaced a lot of parts for boiler. Then they billed me over {$900.00}. Because I have protection plan for boiler, so they gave me a 20 % discount, but they still billed me over {$700.00}. After what they claimed they replaced a lot of parts, soon the boiler stopped working again, I hired a plumber to repair it later for twice. It costed me over {$500.00}. I made a complaint to state of Connecticut, department of consumer protection. The result is they would like to take {$100.00} off the bill. I did not accept the offer. XXXX XXXX XXXX  also lied to the Department of consumer protection. Under Connecticut law, I am not obligated to pay that bill, because I did not authorize the work and they didnt give me a written estimate of the work required. And then I received a letter from A.R.M. Solutions, INC. to collect money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2014 A BROKER WITH XXXX XXXX XXXX, XXXX XXXX MISUSED FUNDS OF MINE ( SEVERAL ANNUITIES ) ADDING UP TO XXXX DOLLARS WHICH SHE INVESTED WITH XXXX XXXX XXXX.ONE ANNUITY IN THE AMOUNT OF XXXX DOLLARS WAS RETURNED TO XXXX XXXX XXXX BY XXXX.HOWEVER THE REST OF THE MONEY MYSTERIOUSLY DISAPPEARED.MY SIGNATURE WAS EVEN FORGED AT TIMES.WHEN COMPLAINING ABOUT THIS TO XXXX XXXX, CAPITAL ONE RELATIONSHIP BANKER NMLS # XXXX SHE CONFIRMED THAT SOME OF THE MONEY WAS MISSING, AND STATED THAT XXXX XXXX WAS NO LONGER EMPLOYED THERE.THE BANK DENIED ANY WRONG DOING. I WENT TO THE BANK SEVERAL TIMES AND WAS TREATED IN A VERY CONDESCENDING MANNER WHICH MADE ME FEEL LIKE A FOOL.I, CUT ALL TIES WITH XXXX XXXX XXXX AND TRANSFERRED THE REMAINING MONEY TO ANOTHER BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX Santander bank allowed a money transfer of XXXX dollars to be wired out of my account without notifying me of the demand from another person and anther bank. The request happens to be a scam from who ever made the request.. I suspect several individuals being involved as the amount wired out of the account equals a wired transferred into the account on XX/XX/XXXX. My account at that time was XXXX. 

I have been involved with Santander Bank in recovering the funds. We have but a block on the old account. We have removed most of the funds in the old account into a new account. The old account has been blocked but kept open so when the funds are recovered the paper trail can be followed in order to put the funds into the new saving account. 

I do not understand why the bank thinks it can remove funds out of a private client 's account without notifying him/ her and to get the client 's approval. This would stop scammers from using this security breach from stealing funds from unsuspecting individuals

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX I bought a new XXXX XXXX XXXX and it was financed with XXXX XXXX. Around XX/XX/XXXX I filed bankruptcy due to a separation of my marriage. I was told by my attorney to check my credit reports after filing to make sure everything was correct with my report. I noticed that my car loan was not being reported. I contacted XXXX XXXX in regards to not reporting on XX/XX/XXXX. I was told that since I filed bankruptcy XXXX XXXX will never report my paid perfect loan to the credit bureau. I was told that this is XXXX XXXX 's policy. I was also told to refinance my vehicle with another lender if I wanted credit. Please help this issue. I feel this is unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
This company is not legally authorized by my current state of residence to pursue any collection actions against me. According to the NC Secretary of State, this company is not licensed and therefore all collection activities need to end as well as the negative reporting on my credit report. According to NC law, in order for any collection activity to occur against a consumer, the collection agency MUST be licensed in NC. I am attaching an image of the NC Secretary of State search in which is shows this agency is not listed or licensed in the state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
I applied for a payday loan around XX/XX/XXXX and received the funds. On XX/XX/XXXX the loan was paid off in full with cash at a physical store location. On XX/XX/XXXX which was the due date, the company then pulled out the amount from my bank account that I had already paid. So I have paid back the same loan twice. 
I've been attempting to get a refund with no success. I've communicated with the store location the debt was paid at, and with the corporation 's customer service line, and both claim that the refund has to be approved through the corporate department. I asked for the phone number for that department and was told they have no phones and that I can only email. So I emailed them Friday ( XX/XX/XXXX ) and they claimed it should be solved Monday ( XX/XX/XXXX ). When Monday arrived they claimed it had just been submitted and would take 48 hours to process. Now its been the 48 hours and they still tell me they are waiting for the refund to get approved. 
This whole situation has negatively impacted my family and I in immense ways. I feel that the lack of communication and attention on this matter is unprofessional and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: AZ

Complaint narrative:
XXXX XXXX  PURCHASE INTEREST FREE for 12 months XX/XX/XXXX, XXXX XXXX, {$1000.00}, XXXX   {$2000.00}. 
XX/XX/XXXX, Bedroom Set .OWE {$2500.00}, XXXX {$5100.00} XX/XX/XXXX Dining Room Set Owe, {$1300.00}, XXXX  {$2600.00} Total I owe is {$5000.00} XXXX  shows {$9700.00} The high balance on Credit Report is preventing me from getting home equity loan to pay the XXXX  loan off before interest in accrued. 

The correct amount needs to be reported correctly by XXXX to all three Credit Reporting Agencies. XXXX, Equifax and XXXX. 
The Correct Amount owed : {$5000.00} Not owed {$9700.00}

Company response to consumer: Closed with explanation