vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX 2017 {$520.00} Credit limit is {$200.00} Sent proof of receipt payments that rental was being paid through XXXX XXXX. Allowed rental company to recharge and go over my credit limit of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
OnXX/XX/XXXX, I faxed my mortgage company seeking clarification on fees I was charged. They appeared on myXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX, statements. Fax and statements attached for your review. After two months they send me a payment history, also attached for your review. The history show the charges, which I already show on my statement, however FAIL to detail/clarify, how exactly I incurred those fees. Or how is it that Ditech had the right to charge me those fees. Consequently, NO response was provided, they simply provided the information I already had, in a different format. Ditech has done this in the past. They sneak in fees here and there and hope you do not question them. I highly doubt I am the only person they do that to. I bet they have STOLEN Millions of dollars from customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: UT

Complaint narrative:
XXXX XXXX XXXX has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: UT

Complaint narrative:
XXXX XXXX XXXX has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: UT

Complaint narrative:
XXXX XXXX XXXX has placed 5-30 day late marks and 2-60 day late marks. There should only be 2-30 day late marks and zero 60-day. My payments are automatically withdrawn from my account and are always made within 30-days!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Just tried to change from the Platinum Rewards card to the Cash Back Rewards card, and was also told it is " not possible. '' I told the customer service member that XXXX XXXX XXXX had already changed my cards in the past and she seemed to brush it off like it was n't their problem. When I tried to explain why I did n't want to cancel my card outright after applying to the new Cash Rewards card ( as many people have stated previously, he life of my credit is still short and canceling one of my oldest cards would negativity impact my score ), she acted like she did n't understand what I was talking about and that I would need to " take it up with the credit bureau. '' This obviously is not a solution, as a credit bureau ca n't do anything to force continuity of a line of credit. However, EVERY OTHER BANK willingly does this for it 's customers. This policy USAA has adopted to refuse to allow you to change cards blatantly takes advantage of their customers by forcing them to keep old accounts open, take unnecessary hits to their credit for applying for a new card, and intentionally damaging their customers credit scores in the likely ( and logical ) event the consumer wishes to close the old card ( multiple cards open for no reason is a liability ). 

There are numerous threads on USAAs forums from customers in my shoes, to which USAA continues to give " cookie cutter '' responses stating they " take our suggestions seriously '' and " will bring them up with management. '' The company continues to attempt to use the Card act of 2009 as a shield to deflect customer complaints, despite customers directly calling them out over the incorrect nature of their claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Originally I opened a Synchrony Bank JCPenny card on XXXX/XXXX/XXXX. On XXXX of XXXX fraud was committed on the account and the Balance was sold to a debt collector. I have spoken to the debt collector XXXX XXXX and they have agreed to remove the debt from my credit report. However, JCPenney continues to report to CRA 's as a Charge -off. 

I 've explained dozens of times that fraud was committed on my account and they have yet to help. I 've disputed this many times and still have no resolved actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Consultants, Inc.
State: NC

Complaint narrative:
This XXXX XXXX ( Debt Collector ) keeps calling all times during the day and calls late at nighttime too ( After XXXX XXXX ). In the year this company has called over XXXX times, even when I have told them not call anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have been paying for equifax credit monitoring services for over 3 years at this time. When the breach occurred I was not informed by the company at any time. When I called on XXXX17 to receive free monitoring services and/or be reimbursed for the year I have been paying for the services since the breach, I was only offered the same services as those who were not already paying customers. 
When one pays a company for service and they do not provide ( or in this case actually do the opposite and lose your data ) then one would expect some form of recompense. Instead I was given the run around and offered only the same mediocre services given to non-paying customers. 
Services costing $ XXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
On XXXX XXXX I called Freedom Mortgage to find out how to get PMI removed from my loan and was advised ( and verified XXXX to pay XXXX and the monthly charges would be removed. Additionally there was a request to pay bi-monthly ( which would only be allowed once an additional monthly payment was paid - i.e. if monthly payment due is XXXX to pay an advance of XXXX and can then initiate bi-monthly debits ). 

After my payment for XXXX cleared and my PMI was not dropped, nor was the bi-monthly option available as per their website, I called Freedom Mortgage to find out why. Over the course of 3 phone calls, including one with a Supervisor by the name of XXXX, I was given 3 different reasons why PMI was not dropped. One of the more humorous ones was I needed to pay {$130000.00} in order to drop PMI. That 's the loan amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Santander Consumer USA reported a credit inquiry to my credit report as a hard inquiry. I have never applied nor want to apply for credit with Santander. 

I have contacted Santander and they refuse to help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Sunrise credit services called pretending to be a collector for XXXX XXXX XXXX XXXX. This time, they used the number ( XXXX ) XXXX ( although they seem to be using different numbers every time ) and they called on XXXX/XXXX/XXXX at XXXX XXXX. They claimed I had $ 50+ unpaid balance. Since I had previously confirmed directly with XXXX XXXX XXXX that I had no remaining balance, I requested that they give me the account number associated and they gave me an incorrect number. I told them the number I have is not the same and that they were looking for someone else. They denied this and insisted that it was my account and that my credit was at stake. Then, they asked me to confirm with my social security number, which I declined. They then said that they will discuss it with me later and abruptly hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: TX

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX reported a credit inquiries to my credit report as a hard inquiries which have effected me negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29 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: GA

Complaint narrative:
To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Transunion : XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed 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 2017-12-29 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:
To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: NM

Complaint narrative:
On XX/XX/XXXX, I faxed XXXX, my mortgage company an inquiry. They do not take phone inquiries. I got a loan on a different matter and was advised by the bank the my mortgage company showed a negative notation on my credit report. XXXX shows " Consumer Dispute this account ''. On XX/XX/XXXX, I did fax XXXX requesting clarification on some fees that were showing on prior statements. However I doubt that with in three days they would have gotten that to update on my credit report especially when the credit report was done on XX/XX/XXXX. That notation had to have been added prior to my XX/XX/XXXX, fax. I have attached my XX/XX/XXXX, Fax to XXXX which as of this date is yet to be answered. I called XXXX and was instructed to FAX in all my inquiries. No phone inquires are acceptable. Seem like you can not get an answer any way, even when you follow XXXX 's instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Springleaf financial services reported hard inquiries to my credit report. I have never applied for credit at springleaf. I have contacted the lender and have had no success on removing inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I made a SEPA transfer of XXXX Euros to COINBASE on XXXX XXXX, XXXX. Until this day the amount is n't available in my Coinbase account. My bank told me that the transfer has gone through. Coinbase usually has the money available within 2 to 3 working days, which was the case of my previous transfer. For this one, it is taking too long. The phone support line does n't handle money transfer issues, so I used the online " submit a Request '' form at Coinbase 's website to no avail. The details of the request are : " I did a SEPA transfer from a XXXX bank on XXXX XXXX and I still have no available funds on coinbase! I could have doubled this amount by trading by now. Where is my money? 
Case ID : XXXX Updated : XXXX XXXX, XXXX XXXX PST Created : XXXX XXXX, XXXX XXXX PST. " This is preventing me from making some good investments I had in mind and I urgently request help in solving this issue. 


I 'm attaching the transfer details ( One PDF with the summay of the transfer, from my online account, plus the picture of the document that the Bank gave my in paper with all the transfer details along with its translation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XXXX2016 XXXX XXXXXXXX reported hard inquiries to my credit report. I have never applied for credit at XXXX XXXX. I have contacted the lender and have had no success on removing inquiries. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/2017 TD Bank XXXX reported hard inquiries to my credit report. I have never applied for credit at TD Bank. I have contacted the creditor and have had no success on removing inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29 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 — Investigation took more than 30 days
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
I have entered into a settlement with this company. I have XXXX remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last 5 payments. Which is for XXXX each for 5 more months. I need this account removed. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FULTON FINANCIAL CORPORATION
State: FL

Complaint narrative:
My husband and I paid off our auto loan with XXXX XXXX XXXX in entirety on XXXX XXXX, XXXX. It is now three months later and we still do not have the title. We have wasted countless hours on the phone trying to track it down. Our mail was being forwarded from our previous address, and we have had no issue receiving anything else. 



My husband spoke with XXXX XXXX who mailed us a form to fill out to get a duplicate of the title, which he had to go to the trouble of filling out, gather supporting documentation, and sending to the DMV in NJ - and waiting. We contacting the NJ DMV before the holidays and were told they were backed up and it could take weeks. This is now directly affecting the proper legal registration of the vehicle with the state of Florida. 



I would like to know exactly where the original title is at this moment? XXXX XXXX XXXX felt they could lecture me over a late payment and " not being a responsible person '' - yet my entire title is now missing? I have had to pay late fees when I drop the ball, so what consequence is the bank facing for losing my property? 


We paid off our loan, and should have had our title months ago. There is no excuse for this and an apology is simply unacceptable at this point. I would like the bank to obtain my title so I can properly register my vehicle immediately. I would also like every late fee I have ever paid to the bank to be redistributed to me as they should be held to exactly the same standard as their customers are. If the shoe was on the other foot the bank would be seizing my vehicle. This is not acceptable and I would like a proper explanation as to how this is okay for a financial institution to operate. We will be seeking legal action if this matter is not resolved in the coming weeks.

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 2017-12-29 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2017 CitiBank ( CBNA ) reported hard inquiries to my credit report. I have never applied for credit at Citi. I have contacted the creditor and have had no success on removing inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was XXXX for a XXXX XXXX that had a savings account which went inactive. I was not notified that it was 'dormant ' and that a fee of $ XXXX/mo was being deducted from the account. When I went to close the account, the balance was {$160.00} less than I expected due to dormant fee. 

The bank was under different ownership when I opened that account ( XXXX XXXX XXXX ). I do not recall this being explained when I open the account in 2002. The bank said it was my responsibility to check the balance even though to online statement nor mailed statement were being sent.

Company response to consumer: Closed with explanation