vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-20 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: Opportunity Financial, LLC
State: CA

Complaint narrative:
First of all I am a veteran so I cant get payday loans. Look me up. Also I have provided the police report number, told them to retrieve since they are the ones whom did this to me. Also where is my actual signature. Electronic signature I would never do that for a loan. 
2nd this person was awfully rude. Unbelievably rude. 

That is not my bank if you must know. I go to a well known bank which I wo n't be giving any information because I still do not know whom this company is. 

Because I do not know whom you are. The number you gave me was out of state. Now you are being incredibly rude to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Chaparral Inc
State: OH

Complaint narrative:
I have told XXXX XXXX whose number is XXXX several times that my husband has lost his job and will be back at work at the end of this month. Via email and phone. Today I get a harassing text and phone call from someone stating that they are an investigator named " XXXX '' and that they are calling the Sheriff to come to my house. This was also communicated to my parents and friends I have listed as references on this motorcycle loan. The person than began to text message me repeatedly after I asked them to please stop. This has caused more stress than our financial situation we are currently going thru. I want this harassment and threats to end. We have never been late on any payments until this loss of employment happened. We should not have to deal with such harassment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
On or about XX/XX/XXXX a company by the name of First Point Collection Resources added two medical debts to my credit report. Amounts : {$430.00} from XX/XX/XXXXand {$110.00} from XX/XX/XXXX I was not given notification of this debt or given a chance to dispute/request validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hard Inquiry XXXX Inquiry from XXXX XXXX 2017 XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX Inquiry from XXXX XXXX 2017 XXXX Inquiry from XXXX XXXX 2017

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 2017-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Was not notified of investigation status or results that I requested in the dispute I mailed. Credit Bureau refused to block item although it remains unverified and they never sent me proof of the instrument mandated that the credit bureau have as per FCRA Section 609.

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 2017-12-20 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: KS

Complaint narrative:
Was not notified of investigation status or results that I requested in the dispute I mailed. Credit Bureau refused to block item although it remains unverified and they never sent me proof of the instrument mandated that the credit bureau have as per FCRA Section 609.

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 2017-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
My Coinbase.com account was locked with no explanation. 

When I try to log in to Coinbase, I get the message " Sorry, account temporarily disabled.  Please contact support. '' I am filing this complaint after opening a customer service ticket ( I can provide the ticket number if needed ) with them and no action from them regarding the situation. I 'm not sure of the exact amount of money I have in Coinbase since the value of the cryptocurrency fluctuates and I check the amount in Coinbase, but it is approximately {$1200.00}. 

My acct was disabled on or around XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Recast loan misleading - In a XX/XX/XXXX letter, from US Bank, my payment was, to be, as stated ( with recast ) : Principal & Interest, {$240.00}, Current escrow {$97.00}, Total monthly payment {$340.00}. On my XX/XX/XXXX letter, from US Bank, my payment is, to be, as stated ( with recast ) : Principal & Interest {$270.00}, Current escrow {$97.00}, Total monthly payment {$370.00}. Why is there a principal & interest difference of {$32.00} in the XX/XX/XXXX letter, compared to the XX/XX/XXXX letter? I am not signing this document unless it is drafted, as stated in my XX/XX/XXXX letter, payment = {$340.00} monthly. Please clarify & correct the amount, or cancel my recast agreement, this not what we agreed upon. Sincerely, XXXX XXXX. Hello, Typically there is a fee to recast ; however, the offer you were sent to recast under the MHA program is free. You can return the request to recast letter of intent that was included with the letter mailed to you on XX/XX/XXXX, either by scanning it and emailing it back to this email address or mailing it into our office at : U.S. Bank - Recast Dept, XXXX XXXX XXXX XXXX , XXXX WI XXXX. Let us know if you have any additional questions. Recast Department, Mortgage Servicing, XXXX Ext XXXX, XXXX XXXX. Total mortgage amounts changed, I was sent an email there would be no fee, then I got a letter today stating a {$250.00} fee. Please help me as I think US Bank is being deceitful & using trickery to foreclose on my home. Thank you. Sincerely, XXXX 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 2017-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX I spoke with a representative at Chase in which we discussed a payment plan on a past due payment for an auto loan. The representative asked me several times to make a full payment as I was a couple payments behind. I told him that at that time I was unable to make a full payment however, I was willing to a make a partial payment and an arrangement for the remainder. We agreed on a payment of $XXXX to process on XX/XX/XXXX with another payment of $XXXX on XX/XX/XXXX and a final payment of $XXXX to bring the account current onXX/XX/XXXX. On XX/XX/XXXXmy bank account was debited $XXXX which is not what we agreed. The transaction resulted in an overdraft fee from my bank as I did not have the amount in my account. I spoke to a representative at chase who advised me that they'd have a supervisor call me back. The supervisor advised me that he would refund me the fee as long as I was able to provide proof of the overdraft. The fax was received and I was assured that I'd be refunded. At this time I still have not been refunded and my account continued to incur fees as I did not have the additional $XXXX to put back into the account. I ended up with a total of $XXXX in fees alone. I am livid with Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-20 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: CA

Complaint narrative:
First of all I am a veteran so I cant get payday loans.  Look me up.  Also I have provided the police report number, told them to retrieve since they are the ones whom did this to me.  Also where is my actual signature.  Electronic signature I  would never do that for a loan.2nd this person was awfully rude.  Unbelievably rude.   That is not my bank if you must know.  I go to a well known bank which I won't be giving any information because I still do not know whom this company is.Because I do not know whom you are.  The number you gave me was out of state.  Now you are being incredibly rude to 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 2017-12-20 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: AZ

Complaint narrative:
Credit card account from XXXX has multiple charges that are not mine and were unauthorized. Charges were made by ex-spouse XXXX XXXX SSN XXXX. Ex-spouse was in XXXX and I was in the United States while these charges were made. I have tried multiple times to explain this XXXX and to come to an understanding to resolve the issue. A resolution has not been met. XXXX has reported this account as a charge off and continues to report negative derogatory every month for the past year damaging my credit score. I do not wish to establish any credit card account with XXXX.   Please see attachment regarding unsigned authorization to re-establish the account on my credit file.

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 2017-12-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
XXXX XXXX XXXX we successfully received a loan modification on our home. The process was smooth and XXXX XXXX a division of MidFirst Bank was very helpful. All past dues was rolled into the new modification as clearly noted on our attatched modification paperwork. We have reached out to XXXX XXXX and they have stated over the phone that our mortgage is current and has been current since our XXXXXXXX XXXX modification. They claim that they did not send anything to collections as they do not have anything to send. The mortgage has always been current. 

We have also reached out to XXXX who is attempting to collect the debt. We have explained this every way we know how. They can not even explain why they are collecting the debt. We have provided them paperwork on the modification that clearly states that all debts have been satisfied and that we are have been current. We just have not been able to make any progress with them. We feel that we are being taking advantage of and treatened for no reason. We need your help. 

Thank you for your help. 

XXXX XXXX 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 2017-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Couch Conville & Blitt LLC
State: LA

Complaint narrative:
We received 1 notice in the mail alerting of the debt owed. I went online and made a payment that I could afford at the time. The original debt was {$3000.00} via a credit card with XXXX XXXX. I made a payment of {$150.00}. 
About 2 weeks later before XXXX there was someone banging on my door. When I got to the door I saw an officer in full uniform, and panicked thinking something awful had happened. But, he was there to serve us papers stating what we owed and it did not reflect the payment I had previously made on their website. 
When we called to talk to them about the debt and offered to make payments they would not agree to not take further court action. They said that they were n't sure if the group of lawyers would agree, but that they normally do if we promise to payoff the debt in full with in three months. They said we would have to make {$200.00} payments each month until we pay the full amount within the three months. 
I found this completely disturbing since I had already initiated payment after the first letter. I felt they were trying to intimidate to demand payment faster. As a mother of XXXX XXXX children who were home with me I truly felt harrassed and threatened in my own home. I want to settle this and find the best solution to a horrible situation. I have also realized making any payment without a written offer is foolish and I have no written agreement from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
The company has contacted relatives about the debt, especially to complain when the payment is late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: IL

Complaint narrative:
Experian has been reporting a bankruptcy on my credit report for quite some time. I have sent them correct information with requests to validate and verify with the US Bankruptcy Court of XXXX  Illinois and provide proof based on the right 's given to me under Sections 610 ( A ) ( 1 ), 605, 609 & 623 of the FCRA. Experian 's response was a claim  that they certified the information was reporting accurately. They NEVER sent the proof I requested so I contacted the Bankruptcy court requesting to see this information that Experian claims to have verified. The Bankruptcy court sent a letter stating that they DO NOT perform ANY activities with the credit bureaus. I sent that letter to Experian explaining that they are still reporting information that has NOT been properly verified and based on FCRA Sections 611 ( 5 ) ( A ) & 1681 ( A ) ( 4 ) the information they are  reporting must be deleted. I called Experian on a couple occasions and have been disconnected when asking to receive the information they claim to have verified. My last conversation was with a gentleman named XXXX from Arkansas on XX/XX/17.  XXXX was informative. He claims that Experian verified the information ; although, company policy could not let them share the alleged verification due to company policies. He stated that the info was viewed from a website but could not comment nor verify to the accuracy nor the source of the alleged website, which again is my right and their responsibility based on FCRA Section 610 ( A ) ( 1 ). I have notarized documents that  Child Support Enforcement has in their possession, which shows they have reported inaccurate information. So I am very confused how Experian can certify and still report this inaccurate information. 

I have been attempting to resolve this matter with Experian through mail, phone calls and various documentation and have not had any success. Please have this credit bureau remove the improper and unverified blemishes from my credit report. 

Thanks!

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 2017-12-20 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: NC

Complaint narrative:
I was contacted by the company XXXX XXXX last year XX/XX/XXXX in the summer between XXXX and XXXX. The company representative told me that I was in default of a rental agreement and I needed to return the furniture before the store files a stolen property charge with the local police department. I told them that I was on XXXX XXXX orders and that the furniture was in storage and that I would authorize them to pick it up. The man then stated that he would take a payment of XXXX dollars. I asked him what was the total amount due and he could not tell me. He said he had to add other fees and he would call me back with the amount. The company XXXX XXXX went on to put a charge off debit on my credit report with a charge of amount of XXXX XXXX dollars. I continued to receive calls asking me for payment and threats to file police report for stolen property. I called the company in XX/XX/XXXX to make a payment the representative gave me completely different amount than what was stated on my credit report. When I told her that the amount she stated I owe did not match the amount shown on my credit she put me on a long hold on the phone. when she finally came back to the phone she could not tell me how much I owed on the account still. She stated that she was going to have someone call me back with my account information and payment methods. I never received a call back.

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 2017-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
My payment was due on the XX/XX/XXXX, and through electronic payment, it was paid on the XX/XX/XXXX. My  checking account shows the money being taken out of my account on the XX/XX/XXXX. 

Four days later, XXXX XXXX sticks me with a late fee and claims it was paid on the XX/XX/XXXX. I called them, and they did remove the late fee but said to make sure it was paid 3 days ahead of the due date ( even though they took 4 days to process it ). 

Either the money is in MY hands or it is in THEIR hands, not somewhere magically in limbo. Charging a late fee because it " takes time to process '' is simply taking advantage of customers to get more money. Just because I called them out on it and they reversed the late fee does n't make it right. If it 's not in my account, then the bill is PAID!!! 

XXXX XXXX is not the only one who does this. I have had similar experiences with nearly every company accepting payments for services or credit. They all have explicit bank records showing when the money was transferred just like I do, and in this day and age there is ZERO excuse for not recognizing that date and time instead of the date it 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 explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
Due to driving in a rental car and having a faulty transponder, a toll roads transponder payment was not initiated on XX/XX/XXXX. The first violation notice I received was a Collections Notice from XXXX XXXX XXXX, XXXX " XXXX '' in XXXX XXXX. ( Doing business at the time as XXXX XXXX XXXX XXXX XXXX - phone number is the same for both companies XXXX. ) On XX/XX/XXXX I spoke to a representative that instructed me to send in the supporting documents of my active account in good standing with the previously submitted information of XX/XX/XXXX.  Nearly two ( 2 ) years later, I received a new collections notice from XXXX ( dated XX/XX/XXXX ) for the same incident. I responded with a letter and copies of previously submitted supporting documents on XX/XX/XXXX. XXXX responded with a letter dated XX/XX/XXXX for additional information. I responded with the additional information and copies of previously submitted correspondence on XX/XX/XXXX. XXXX responded yet again with a letter request ( dated XX/XX/XXXX ) for additional information erroneous to the situation at hand. On XX/XX/XXXX I spoke to helpful representatives that escalated the call to a Supervisor. Finally, no Supervisor came on the phone, but a message from Supervisor XXXX follows : " The rental car needs to be linked to the Toll Roads account. ''

Company response to consumer: Closed with explanation