vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In my credit report it shows 2 late payment to my mortgage company ( XXXX ) with dates of XX/XX/XXXX & XX/XX/XXXX. During those times I was on military duty and submitted copies of my orders for that time period. However, it still shows in my credit report and I have requested the company to correct this issue. I submitted the documentation again and I have not heard from them on this issue. Under USERRA law, I am protected of such things due to not being available at the time of these issues. I have since paid them with the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In my credit report it shows 2 late payment to my mortgage company ( XXXX ) with dates of XX/XX/XXXX & XX/XX/XXXX. During those times I was on military duty and submitted copies of my orders for that time period. However, it still shows in my credit report and I have requested the company to correct this issue. I submitted the documentation again and I have not heard from them on this issue. Under USERRA law, I am protected of such things due to not being available at the time of these issues. I have since paid them with the late fees.

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 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have four hard inquiries on my credit report that should not be there. These inquiries are here due to inquiry issue! I would like them removed. 

XXXX, supposed inquiry date : XX/XX/XXXX XXXX : supposed inquiry date : XX/XX/XXXX XXXX XXXX XXXX supposed inquiry date : XX/XX/XXXX XXXX XXXX Supposed inquiry date : 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 2018-01-24 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I sales person from American Express called me and offered me a card that provided 3 % cash back on one type of item, 2 % back on another type and 1 % back on all other items. 
They said I would not actually get cash but would get points that I could spend like cash on XXXX or for purchasing gift cards. 

I was lead to beleive that XXXX XXXX was worth XXXX XXXX. I could buy a {$29.00} item for {$2900.00} points. That is simply not the case. I switched my bills from a true 1 % reward card with XXXX to this phony reward card and now I have to switch everything back. 

In addition, American Express does not have a way for you to verify they are awarding the points accurately. I could n't do it from my online account and customer service could not show my how. You are just told your total with no way to verify its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: KY

Complaint narrative:
I called the XXXX XXXX XXXX with another finance company on a 3 way call the week of XXXX XXXX. We asked for a payoff balance with a 7 day accumulation. I was given a balance of {$1100.00} which XXXX XXXX XXXX sent and XXXX on XXXX XXXX. The week of XXXX XXXX, I received a payment receipt stating that I had a remaining balance of {$560.00} and that the payment submitted did not pay off my account. I called and spoke with the branch manager of the XXXX XXXX location on XXXX XXXX at XXXX XXXX est. I explained the situation to her and she stated she has no record of anyone in the office giving me this information an does not know how we came up with that calculation to pay. She also proceeded to rudely explain to me how interest is accrued and stated that I should know the amount of my loan and what I 've paid thus far. I asked if she was going to investigate who gave me the mis-information and she stated she would " handle her business ''. I asked if there was a way I could file a complaint and she gave me the regional manager number XXXX XXXX and falsely told me that he was in XXXX. I spoke with XXXX XXXX at XXXX and explained the situation to him and he also stated the remaining balance and said if their was some kind of record of the call where I was giving the wrong pay off balance or notes he could reference maybe he could do something but until then there was n't anything he could do for me. I reached out to XXXX XXXX at XXXX XXXX XXXX to see if the call was recorded from when we received the pay off balance and it was not. He did state XXXX from XXXX called him and said that we were given the wrong pay off balance and that I still had a balance on the account. At that time XXXX XXXX explained to her there was nothing he could do about that. I called XXXX XXXX back and gave him this new information. He again stated there was n't anything he could do for me, and all I could do from here was file a complaint with their audit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
I 've never enrolled or paid for services with a Company by the name of XXXX XXXX. All of a sudden there was a collection account on my credit report stating that XXXX XXXX, XXXX I opened up an account with them and then never paid. They 're saying I owe them {$63.00}. I 've tried to contact them and let them know I 've never been a customer or ordered service with them and I have never received any mail correspondence stating that I was a customer and that I had a balance. I have n't received any help from the company or received in anything written in the mail showing that I signed up for service and had a bill. I 've also had an issue with identity theft in the past and went to court with the credit bureaus to rectify the errors. Everything was cleared up in court and it says on my credit report XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have n't applied for anything since then so I do n't know how this could even be possible to be my account. Not only that, but I would have paid {$63.00} if it was owed. So this is why I 'm contacting the cfpb for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
i had sent out a verification letter to Zales on XXXX/XXXX/XXXX with no letter from them verifying anything that I had sent, since the 30 days has pass for verification they want to sent a letter on XXXX/XXXX/XXXX threatening to sue me for the bill that has not been verified by them. 
I 'm also sending them another letter on today XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: MN

Complaint narrative:
XXXX XXXX, MN XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX I have never done any of these inquiries. I have asked that they removed them repeatedly and I am not getting anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: MN

Complaint narrative:
XXXX XXXX, MN XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX I have never done any of these inquiries. I have asked that they removed them repeatedly and I am not getting anywhere

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 2018-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On the XX/XX/XXXX I made a deposit of XXXX USD into an ATM machine of bank of America with the ID XXXX and only XXXX was credited to my account. 

The branch staff did n't try to help. I also called BOA 4 times and could n't submit a claim given no one was available for a period of 2 hours. 

I tried to submit a complain through their customer service department and they would n't give me a complaint number to follow up on.

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 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Debt collector has confirmed that the debt is not mine.

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 2018-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I " consolidated '' my student loans in XXXX2016 however the loans are not truely consolidated in order to accommodate government repayment plans keeping subsidized and unsubsidized loans separate. I have a current document showing this however when I took out my pension to pay off the unsubsidized loans because of the insane interest accruing I was denied from Navient how to allocate " MY '' money and they told me they would pay a percentage towards each loan 13 subsidized and unsubsidized. Keeping my unsubsidized loans open so they will continue to accrue insane interest and Navient makes it Very diifficult to pay off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The response was removal of a collection with XXXX, XXXX and XXXX XXXX staying on my report despit no verification. 

On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The result was XXXX XXXX staying on my report despite no verification or communication to me. 

On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me and Im anticipating the results. 

All correspondence on my part were sent certified mail so I know that they were received but this account with XXXX XXXX has yet to be proven to belong to me but wont leave my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
im behind on my payment i had personal issues going on ive written the office in regards of this matter but XXXX XXXX called my job demanding i make a payment insted of being professional about these issuse and my loan shouldnt be discussed with another loan compant in which this is confidential i think its very disrespectful calling someones job.

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 2018-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
OnXX/XX/XXXX an overdraft item fee of {$35.00} was processed stemming from a pending XXXX transaction in the amount of {$6.00} made on XXXX XXXX. In that same week on XX/XX/XXXX an XXXX XXXX XXXX withdrawal in the amount of {$10.00} was processed causing a second overdraft item fee of {$35.00} I called the customer service to see what resolution could be offered in the event the account had insufficient for the bank to refuse payment and reversal of the overdraft fees and was told neither could be done. Later in the week I went to the bank and asked why the bank could not deny transactions, I also pointed out that the alerts that I requested for transactions that bring the balance of the account under {$25.00} were coming after the account overdrafted and the fee was processed. I was told there was nothing they could do, but I could also try alerts for all transactions. This resolution has also proven to be ineffective in the most recent transaction on the account. 

Most recently on XX/XX/XXXX, an XXXX XXXX XXXX withdrawal was debited in the amount of {$10.00} and on the same day the overdraft item fee was processed.

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 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a hard inquiry that I did n't authorize from XXXX 2017 completed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have been unable to access my CoinBase account. I am not receiving their " Device Verification ''  e-mails for whatever reason. 

The account had {$300.00} in it at the time, in Ethereum ( XXXX ETH ). Currently, as of XX/XX/XXXX, it is worth around {$700.00}. 

All below dates are in XX/XX/XXXX unless otherwise marked.. 

On XX/XX/XXXX, I created a ticket through their automated system. Receiving no response, I called them on XX/XX/XXXX and was automatically dropped due to high call volume. I called again on the XXXX, XXXX, XXXX, and XXXX. In XXXX, I called on the XXXX, XXXX, XXXX. Finally, on XX/XX/XXXX, I got through to someone. 

They looked up my account, and stated that they could transfer to a new account. I had already created a new account and requested this through e-mail, but having acknowledgement that this would work was good. I received no further correspondence on this until I called again on XX/XX/XXXX. I was told that I had to wait an unspecified amount of time for a specialist to handle it. 

I have e-mailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX asking for updates on it, receiving nothing back.

I called again on XX/XX/XXXX, and was told to keep waiting. Waiting on this for such a long time, I believe it is unreasonable, especially given the lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Looking at my credit report on XXXX XXXX I saw an account in collections and I never gave any company the right to share my information whatsoever. I see one for {$230.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know this company and they have never sent me anything stating that I owe them. The last company I reported about this same account must have sold my information to this company. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of 1996 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: AR

Complaint narrative:
I wired XXXX to coinbase on XXXX/XXXX/18 so I could purchase coins and trade, but it 's been 3 weeks as of tomorrow with nothing. The website said the money would be credited same day or next day, but I 'm going on around 20 days now with nothing. I 've submitted multiple tickets in hopes that I could get a response, but nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Utah System of Higher Education
State: CA

Complaint narrative:
I have sent the form to change the amount I pay multiple times, most recently I faxed the form with income verification on XXXX/XXXX/XXXX and XXXX has not responded to this or the two emails I sent about it. 

They incorrectly assessed my income based on one pay stub. I do not work the same hours every week so I do not make the same amount of money every two weeks, they should be basing my income on my tax statement. NO ONE WILL RESPOND to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX filed a bankruptcy petition in XX/XX/XXXX. Listed private loan with Sallie Mae and the petition was signed on XX/XX/XXXX. Sallie Mae has been calling, harassing and threatening me with a lawsuit to recover the debt.

This has been occurring form the latter portion of XX/XX/XXXX until present time. More recently, they have charged off the loan. I am received harassing calls from Sallie Mae corporate indicating that if I do n't pay the balance by the end of XX/XX/XXXX, they will institute wage garnishment. I receive calls on a daily basis from XXXX XXXX XXXX from Sallie Mae Corporation phone number XXXX ext. XXXX. Presently I have a federal loan in the amount of {$96000.00} that I am repaying and I can not afford to enter into any type of arrangement of {$1000.00} down and monthly payments of over {$300.00} a month until the balance of {$3600.00} is paid. Nor can I settle the matter for an amount over amount of {$2500.00}. I am providing with this communication paperwork on they various unfair collections strategies of Sallie Mae following my bankruptcy petition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Reply to Case # XXXX Receiving smoke in the mirror replies from Wells Fargo, still no reply to my original concern, my credit not being suppressed per our contract. 

Updated documentation has been furnished through CFPB as evidence that credit report still shows XXXX overdue. I have attached for the second time. It is my intent is to take Wells Fargo to file a lawsuit and sue Wells Fargo if my credit is not fixed as contracted. 

A full media package is ready to launch on this and all previously discussed topics if the above is not addressed swiftly and professionally. Below is a sample and only the beginning of my reach : https : 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 monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to open a Checking Account with Chase on Saturday, XX/XX/XXXX. Everything proved to have been accepted and I received my temporary card in which I deposited XXXX dollars immediately. When I attempted to log in today, Wednesday, XX/XX/XXXX I come to find that my account is restricted and after following up with a call to their customer care, it has been closed. 

I did not receive any information as to why my account was closed. This is the second time Chase does this without a reason as to why they are closing. They simply state, I am sorry but we can not release this information to you?

Company response to consumer: Closed with explanation