vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
i had gone to a dealer in XXXX because i was tried to get a car and the i provide the dealer my info they ran my credit i couldn't get approved in the next month i check my credit report i find out it wasn't one time the dealer pulled my credit I saw a bunch of inquiries about auto finance now my credit is kind of heavy with all these inquiries its about 20 inquiries listed below and they kept repeating over and over XX/XX/XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX ally financial  XX/XX/XXXX ally financial XX/XX/XXXX ally financial   XX/XX/XXXX ally financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX all this reported to my credit report just because i requested a loan from the dealership now my credit is worthless because of these hard inquiries from my 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 2018-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
CoinBase is refusing to let me withdrawal any funds. There is {$100.00} in my Coinbase account in USD, and every time I try to transfer it back to my bank, it sends me through a loop that leads me back to square one. On my last attempt, XX/XX/XXXX, rather than transfer money back to my bank, they deposited another {$100.00} from my bank account. I have contacted them 3 times only to get a XXXX we are busy reply. These 3 occurred over the course of two weeks. Still no reply. I am requesting that the {$100.00} as well as the additional {$100.00} withdrawn from my account are returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I have absolutely no idea what this account is, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report this account. 


Also this debt was proven to be fraudulent by the original creditor and deleted off my reports, Im contacting this creditor to ensure that they know that this debt here is uncollectable under the Fair Debt Collection Act 2009 ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2018, an unauthorized inquiry was put on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2018, an unauthorized inquiry was put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
hi, i just apple for a chase freedom credit card on XX/XX/XXXX. because i saw my XXXX XXXX  list that i will get approval for a chase freedom card. then on XX/XX/XXXX i receive an HARD INQUIRIES on my credit report. can you please help me remove HARD INQUIRIES on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My account was repeatedly reported late while I was still in school and my loans were on deferment. My credit report reflects late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I received a letter dated XX/XX/XXXX from wells fargo telling me that they did a risk review of my credit card account and had decided to close it. I have never been over the limit or late on a payment as a matter of fact I paid the balance in full every month. Immediately called on XX/XX/XXXX ( when i received the letter ) and was connected to the executive office and spoke with XXXX. I explained that I was unable to redeem the rewards I have been saving for years from the card because they closed it. She put me on hold and looked into the matter verifying that I had indeed earned XXXX points through my purchases. She agreed that I am due the rewards and gave me a case number and phone number and said that the case manager would call me the following day. 

The following day I returned a missed call from XXXX my case manager on two occasions but she didn't return my call. On the third call I spoke with the person that answered the phone and he said he would look into whats going on, after a long hold he returned and said that the rewards have been forfeited and that was a final. After informing him I was never given notice or any chance to redeem my honestly earned rewards he just stated again that they have been forfeited. 

I see that closing accounts for no good reason is a common practice at Wells Fargo but I have earned those rewards and this amounts to theft.

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 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX a check was deposited to my account of the total amount {$24000.00}, the check was altered from the total of {$420.00}. Chase pay the check! I was away out of the country at that time and didnt realize what was going on but upon my return the first thing I did was to contact Chase. Chase at first was all helpful and nice, grant you when I finally look at my statement was already XXXX to be more exact was XX/XX/XXXX when I called To file a claim for fraud. Never had a problem none of the representatives I talked or much less the banker i spoke to notified me about any special rules or any special time frames for dollar amounts for a claim to be accepted. So chase representative instructed me to go to a local branch fill it up and affidavit get it notarized with the banker and sent all the originals to XXXX Ohio and I had so I did it. Reminded you that at no time no representative no banker has told me anything about any special rules of time frames what dollar amount for this claim to be excepted. I sent all the documents via express mail to XXXX Ohio it was delivered and received, I called to follow up with the claims department and they said that the claim was closed because they didnt receive the document sometime but they would they would do XXXX this time and reopen claim, this was already XX/XX/XXXX, from this point on I called every other day just to check if the claim is still open, representative after representative guaranteed that everything was fine with the claim that it could take up to 90 days for the claim to process fast forward to XX/XX/XXXX week after week me calling in the guarantee that the claim was open and processing this time around was different the representative just said oh Im sorry but your claim is closed, angrily I just hang up the phone call again in another representative told me that the The claim The claim is closed due to excessive amount that Chase can not pursue any claims above {$10000.00}, angrily again I hang up the phone called again different representative this time around was different the representative explained to me that my claim was closed due to timeframe because of all claims should be filed within 35 days from the statement date. Angrily again I hang up I called again and the third representative answered and give me another explanation think that they never received any documentation and time that was the reason why the claim is closed. Because dissing him responsible actions of cheese of dismissing and deceiving me as a customer I did not take any Any further action with such a huge loss of {$24000.00}. Chase defraud me deceive me and cause a huge financial loss for me and I need a resolution I want to resolution before I take any further legal action please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I went through a financial hardship and tried to make a payment plan. Sallie Mae would not work with me. I would answer their calls and try to do partial payments until I was caught up. I was told I would have to make a full payment. I fell behind on payments as I tried to make the monthly payments and was told that I wouldn't be able to refinance and that I would have to pay for the full amount owed or they would send my loan in collections. I basically had to try to pay it back down or owe the full amount of the loan. I told them it was utterly impossible and they did not work with me. Deferment was not discussed with me. 

Also, they called my employer multiple times asking for me, three times after I told them to not use my work phone number as it could get me fired and then I couldn't pay them. Most of the representatives were rude and demeaning, even to the point of getting loud with me. 

The employees went as far to call my father ( who is not even on the loan ) and discussed personal information on the loan- which is illegal to discuss details on a loan to someone who is not a borrower. The employee even told my father that he was responsible to the payment on the loan and had to pay to make it current. My father knew he was not on the loan so he told them to discuss it with me and then he called to tell me what was said. They continued to harass him so I had to remove the number as one if my contact numbers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MIDCOUNTRY FINANCIAL CORP
State: FL

Complaint narrative:
During one of my deployments a XXXX XXXX loan was refinanced in my name. I was unaware of this debt until about XX/XX/2017. This account wasnt opened by me but to prevent loss of my clearance I caught the payments up and have been making them in effort to prevent my credit from taking any continued downspiraling. I contacted XXXX to request a goodwill effort to have the late payments removed from this account because I was unaware of the loan and was XXXX when it was opened / refinanced. I have never heard from anyone about this issue. I make the monthly payment on time and digilently did what was necessary to bring it current when I found out this account had been refinanced. XXXX XXXX XXXX is suppose to be a company looking out for servicemembers but instead it seems like a predatory lender. High interest rates and no flexibility to help servicemembers .Where are the benefits for servicemembers on XXXX or protection? I am not asking to discharge the loan only asking for XXXX to remove the negative payment history as i was on XXXX to XXXX when the loan opened and when the late payments occurred. I have made numerous attempts to get help with this by contacting the Customer Advocates, XXXX XXXX and XXXX XXXX only to hear nothing back. In the past I had a good relationship with XXXX and that is the only reason I took responsibility for this loan I did not open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MCMC Auto LTD
State: TX

Complaint narrative:
I do not know how long this has been going on but recently I've found out XX/XX/18 that the car payments that I've been making have been going to XXXX auto insurance at their choosing. After paying over {$400.00} within the same week I received a text message stating a text that I was over {$400.00} past due. When I called their customer service stated they could apply my payments anywhere they choose and that I was now 20 days past due. The loan I have is a simple interest loan by the company choosing not to apply my payments to the actual loan I will be paying way more for the vehicle than expected along with negative reports to my credit while making payments. Prior to this incident the customer service collectors will make you feel as if you are about to be repossessed verbally and through text.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: AZ

Complaint narrative:
Equifax is not updating payment history for XXXX XXXX XXXX XXXX Credit Card. Account is visible and active, just no payment history from this bureau. Opened the credit card in XXXX through current, no history available through Equifax. Spoke with customer service at XXXX XXXX on XX/XX/XXXX, they indicated they report complete information and history to all credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: OH

Complaint narrative:
Debt collection was placed on my credit report on XX/XX/XXXX for {$660.00}. I do not owe said collection for a XXXX bill from XXXX as it was paid in full. I disputed with XXXX and XXXX. This company is a junk debt buyer and should be shut down as they are not good for consumers or legal debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I noticed XXXX listed on my credit reports and contacted them on XX/XX/XXXX in an attempt to verify the debt, as I had no knowledge of it. While on the phone, I was informed that it was for an ultrasound performed in XXXX. When I told the lady that I had never in my life had an ultrasound, she stated something to the likes of, " Sorry, wrong one. Let me see ... .did you have xrays or a CT performed? '' I then told her that what medical procedures or diagnostic exams I have had did not concern her. She then began to ask me for my social security number, I asked her why my name and date of birth weren't enough to pull up the account and also why she seemed to be taking shots in the dark regarding why I allegedly owed money. At this point she stated that the debt is valid regardless of what I say because they only service valid debts and that if I do not pay it, it will continue to sit on my credit report and I could eventually face a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: CL Holdings LLC
State: FL

Complaint narrative:
THIS IS A FRAUDULENT ACCOUNT THIS IS A CHANCE FOR XXXX XXXX TO ANSWER THIS PROOF OF CLAIM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am about to retire and can't open an on-line account with Social Security. The reason is the security questions are based on info supplied by I believe Experian. None of the info is mine. I thought is was XXXX and notified them. I got a confirmation number datedXXXX. But nothing was done. Tried many times submitting on-line. Nothing. Tried same with XXXX. Did get an email through and they gave me a case number on XXXX. Despite many online attempts nothing. I wrote you but think it didn't go through as site was acting up. I have no retail card or other charge cards. I have no auto loan. I have no student loan. I have no mortgage or refi on home. Both agencies report I have all of aforesaid. I am embarrassed to say but I was receiving food assistant from government for some that the period. I just want them to correct info in file and relay to SSA. In addition my home insurance is slightly higher as they use this incorrect info too.

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 2018-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: OK

Complaint narrative:
I am trying to understand the interest rate associated with my car loan. I purchased the car in XXXX, it's a " fee simple '' loan. The interest rate is something like 19 % - 21 % I can't remember off the top of my head. The purchase price was XXXX. I still owe over 15,000 on the car and it's been 6 years. I live in Oklahoma and purchased the car here. The car lot shortly went out of business after I bought it but they financed it with a company in California called CPS " Consumer Portfolio Services ''. This company was involved in a lawsuit in the past due to their loan and collection practices. 

I have done 3 extension agreements : - XX/XX/XXXX - XX/XX/XXXX ( included this one so you can see the verbiage ) - XX/XX/XXXX Also, I had gotten a couple payments behind with each extension. The documents state that the late charges for the payments included in the extension are supposed to be removed but they are still on the account. 

I included XX/XX/XXXX 's extension agreement as an attachment as I had the electronic copy saved to my PC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around XX/XX/XXXX, we apply for a Loan Modification with Bank of America because of Financial Hardship in our family and they sent us the paperwork fast to start completing  documentation in a timely manner. XXXX XXXX is our point of contact for any questions, concerns, etc. and his information will be in included in the uploaded document. As of today XX/XX/XXXX we already sent ALL the documentation needed to complete our Loan Modification process and a few days ago BofA sent us an important information that our Home Loan will transfer to XXXX   XXXX XXXX, a division of XXXX XXXX XXXX, XXXX on XX/XX/XXXX. Based of customer reviews ( many reviews on their websites ) XXXXXXXX XXXX XXXX, a division of XXXX XXXX XXXX, XXXX after receiving the home loans from another financial institutions they ALSO transfers the home loan again until the customer is at the point of no return to their houses because the monthly payments are " impossible '' to pay. 

My understanding and per our Reforms in the California Homeowner Bill of Rights BofA can't  transfer our Home Loan to another Servicing/Lender. I keep calling and leaving messages to XXXX XXXX via phone, email and I also needed to escalate to the Call Center Manager asking for XXXX XXXX 's Supervisor. I sent a message to XXXX 's Supervisors and I still not getting any answers from any of them. 

Then after, I called the Customer Service extremely worried an one of the Service Representative from BofA told me that usually this is been happening very often in the last two years with BOFA ( sending letters to customers letting them know their home loan will transfer to another servicing/financial institution ) but at the end and almost 24 to 48 hours that transfer is cancelled without notifying the home loan customers, its very confusing and I don't think it's the right thing to do. We are currently living on our property and its a single family own.

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