vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-30 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: MD

Complaint narrative:
Credit Bureau is reporting inaccurate information on credit report with XXXX. Account went from OK XX/XX/XXXX-XX/XX/XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS

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 2017-07-30 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: BB&T CORPORATION
State: PA

Complaint narrative:
I rarely go online into my childrens accts. I happen to go in to see how much was in my sons savings acct because his CD is up for renewal and I usually transfer a certain amount over into it. I have done this since 1997 when the acct was opened. When he turned XXXX the bank said he youth acct would be converted into a student account so he would not get hit with any fees. I said great. There are numerous banks who offer this but I have always been with this bank so I would leave it there. ( BBT just bought out the bank I had forever ) So it is a BBT acct now. So I just go in and I see {$5.00} take out monthly. THey have taken out over {$100.00} in monthly fees. This is a student account that is suppose to have no fees. This is unacceptable and scrupulous business practice. Stealing money from children. They should be ashamed!

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 2017-07-30 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a merchant credit card with XXXX and Comenity Bank. I signed up for this maybe a year and a half or two years ago. Since then XXXX stopped services with the company. I was told by the local store manager it was because the company they used ( Comenity Bank ) was not treating the customers right and it was adversely affecting business. fast forward to the last 6 months and I begin noticing a trend with how my payments are being processed. I will make said payment and it will not come out for many ( upwards of 6 days ) days if at all. I have money in my account when " the payment fails '' so why is n't it going through? I investigate with Comenity first and they said it was due to lack of funds. I know they are lying obviously so I call my banking institution ( XXXX XXXX XXXX XXXX ). What they told me pretty much takes the cake. XXXX has no history of a payment inquiry coming in from Comenity at all. It is at this point that I realize Comenity bank is manufacturing reasons to jack up my interest rate and charge me extremely high late fee 's. Now they have three different collection agencies calling me at all hours of the day and night harassing me and have reported against me on my credit report. This is very unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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: MD

Complaint narrative:
Credit Bureau is reporting inaccurate information on credit report with XXXX. Account went from OK XX/XX/XXXX-XX/XX/XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Credit Bureau is reporting inaccurate information on credit report with XXXX. Account went from OK XX/XX/XXXX-XX/XX/XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I have XXXX XXXX on Coinbase, and their vault walelts stopped working before the XXXX Cash fork. I am now unable to collect a potential $ XXXX because of their bug not sending and email! I may never see .y coins again because their support is non existent!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I logged into my account today and notice there was a late charge on my account. I received an email from Capital One advising my payment had not been received - at this time I did n't know that Capital One had charged me a late fee. I called Bank of XXXX back in XX/XX/XXXX to inquiry why payment had not posted yet. The bank stated the credit card company rejected my payment and did not state why. After witnessing this late fee on my account, I contact Capital One to remove this fee. Capital One stated to me the fee will not be waive even though I have not had any late payments. I never call in and request anything from this Bank. I have received poor customer service. The bank does not care about their customers customers, no matter how loyal you are to the bank. I have been with this bank for years and I always have issues with the level of service. It has me serious thinking of closing out this card and going with another bank. It is not my fault the bank rejected my payment - it is on Capital One. Why am I being held accountable for their mistake. I called my bank and requested a letter explaining the reason for rejection. I was informed the letter can not be generate due to Capital One not giving a reason for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I ran a credit report from the 3 reporting agencies While XXXX and Equifax scores were above XXXX, the Equifax score was XXXX. The only difference I can see is an account reported in collection for {$1100.00} which ( on the accounts details section ) has no information about the " original creditor '' or the " company sold to ''. This account is simply listed as a " XXXX XXXX ''. I do not know what this is about and have had no luck disputing this with Equifax. I believe this is some predatory collection agency trying to sabotage my credit history on some bogus medical charge. The Account is listed as closed and recently updated on XX/XX/XXXX. A full copy of my credit report including the account details of this mystery debt ( first page ) has been uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, on XX/XX/17 I went to my bank JP Morgan Chase to withdraw cash, after I insert my debit card and enter my pin I was asked to provide ID, well I handed it to the teller, just after that she called her manager and they started asking me too many questions like my SSN where I live etc..I asked to get my ID back and they refused saying that I look suspicious to them, well I started getting nervous because they were speaking too loud that all customers looking at me as a Scammer ... after more than 10 years I was treated like a Thief..i never experience this kind of behavior in my entire life and hoping that your Involvement with make it the last for this Bank. Thank you for your collaboration. Sincerely. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Activehours
State: GA

Complaint narrative:
I 've been using the app Activehours for payday loans, never given me problems til now. You can only get {$100.00} a day and my max for my pay period is {$450.00}. I have a bank statement showing that they deposited {$300.00} in my account in one day which is impossible because you can get {$100.00} a day and I did n't ask for the loan nor did I even use it and they are going to take almost {$500.00} out my account for something that I did n't ask for. I sent them an email still waiting on a response

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA
State: MA

Complaint narrative:
I have tried to work with American Education Services ( AES ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with American Education Services ( AES ). Loan #  1 ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. AES reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX, I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, AES had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. AES also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted AES, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with AES was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, XXXX XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 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 — Problem with personal statement of dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My mortgage note was recently sold from XXXX to Carrington Mortgage as my new loan servicer. I incur a late penalty fee due paying on the last possible day of the grace period which I 'm comfortable with and have been paying for the past several months. Recently however, Carrington has begun charging a " {$5.00} convenience fee '' which I was not fond of because they did not originally charge this fee for payments made through their website. In lieu of making payments through their website, I decided to set them up through online bill pay from my XXXX checking account in order to avoid the {$60.00} annual fee. I had the payment scheduled for XX/XX/XXXX in order to give it a couple of extra days to clear on their end. The funds were not disbursed because my available balance was {$830.00} and funds required to pay my mortgage were {$830.00} ( short by XXXX cents ). I immediately processed an external transfer of {$10.00} from another checking account of mine to assist in covering the payment. By the time the funds were deposited ( 48 hour turnaround ), monies were disbursed on XX/XX/XXXX to Carrington Mortgage. Since the payment was not applied until XX/XX/XXXX by Carrington, they have now reported me to the credit bureaus and I have suffered a substantial credit hit. My FICO score that I have worked extremely hard in maintaining excellence ( nearly XXXX points for many years ) has now dropped severely and this is all due to being short by XXXX and also wanting to avoid an unnecessary {$5.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I HAD CREDIT CARD FOR XXXX DOLLARS MY BANK CHASE CHARGED IT UP TO XXXX I DID NOT AUTHORIZE THIS AND I HAD ALL MY ID BIRTH CERTIF SS AND DRIVER LIC STOLEN SOMEONE USED THIS AND RACKED THIS UP I HAD AND PAY ALL MY BILLS I AM ON XXXX AND THE BANK ALSO RELEASED MY SOCIAL SECURITY MONEY UNAUTHROIZED TO A COMPAY THAT I DO NOT OWE THEY OWE ME XXXX DOLLARS AND TRYING TO REVERSE LIKE I OWE THEM I CONTACTED MY BANK AND EXPLAIN TO THEM THEY WANT TO PUSH BLAME WHERE NOT DUE UNDER THE LAW MY SOCIAL SECURITY MONEY SHOULD NOT BE RELEASED UNDER ANY CIRCUMSTANCES AND THE XXXX LIMIT IS WHAT I OWE NOT XXXX APPROX I WANT THIS HANDLED AND REMOVED FROM MY ALL CR REPORTS AS IT IS NOT N=MINE I REPORTED OVER 2 YRS AGO ABOUT THE CARD BEING STOLEN THEN THEY CAME UP WITH SOME LAME EXCUSE OF DIFFERENT FAMILY MEMEBERS THAT HAVE NOTHING TO DO WITH THIS AT ALL NEVER EVER I AM SOLE OWNEER AND NO ONE HAD A CARD I ORDERD ONE BUT RIPPED IT UP FOR THE FACT THEY CHILD DID NOT NEED IT SO I ALSO CALLED TO TAKE PERSON OFF THE EXTRA CARD. THIS IS CRAZY I AM A VICTIM AND I WANT MY SOCIAL SECURITY MONEY BACK FROM THE BANK AND ALL NEG MONIES REMOVED FROM MY CREDIT REPORTS I WIL PAY THE XXXX NOT A PENNY MORE AS I DO NOT OWE IT. HOW COULD THIS BE A XXXX DOLLAR CARD RACKED UP XXXX THEY ARE LIARS AND STOLE MY SOCIAL SECURITY MONEY XX/XX/XXXX TILL XX/XX/XXXX I REPORTED IT THEN AND NOW IT FINALLY IS COMING I BELIEVE TO A RESOOLUSTION EXCEPT THE XXXX I DO NOT OWE ARE THEY CRAZY IF THEY CAN RELEASE MONEY UNAUTHROZIED KNOWING ITS SSI MONEY THEN U KNOW SOMETHING IS WRONG I WAS A VICCTIM OF THEFT AND REPORTED IT. ALL IS APPRECIATED THANK YOU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with XXXX XXXX XXXX ( XXXX ). Loan # 1 ending in XXXX defaulted in XX/XX/XXXX Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XXXX XXXX, I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, XXXX XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.

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 2017-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with XXXX XXXX XXXX ( AES ). Loan # 1 ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, {$50.00}, XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have tried to work with XXXX XXXX XXXX ( XXXX ) who serviced my loans since XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting.
I have XXXX private student loans that are serviced with XXXX XXXX XXXX ( XXXX ). Loan # XXXX ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. XXXX reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX, I contacted Experian credit reporting to dispute the loan and ask that it be removed from my credit report because the company, XXXX had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. XXXX also failed to provide me a 1099-C, a tax from needed for cancelation of debt since they reported it was written off. I contacted XXXX, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender.
Loan # XXXX ending in XXXX with XXXX was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, {$50.00}, XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.

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