vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GREAT LAKES
State: CA

Complaint narrative:
My student loans were previously managed by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( " Great Lakes '' ) before being transferred to XXXX XXXX in XX/XX/XXXX. I'm concerned that the information transferred was incomplete, most importantly regarding my past qualifying payments. I requested that all of my records be provided to me via email through their customer service webpage and received an email on XX/XX/XXXX, notifying me that they would be sent via email per my request. Nothing happened. 

I lost track of the request that they didn't fulfill and reached out again in XX/XX/XXXX, again with no response. I think as a borrower these documents should be well organized and stored by the loan servicers. All I want is proof that I have made more payments than are currently on record because I'm a public employee and hope to use the Public Student Loan Forgiveness program. It would be unfair if all qualifying payments weren't counted due to poor clerical management on a private company 's behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was charged excessive fees for credit card transactions. A California-based website, XXXX, processes transactions from their XXXX location, not known to me at the time. This resulted in international transaction fees. Also, the merchant recently changed their merchant category code ( MCC ), which resulted in cash advance fees. This totals 7 % for the same transaction. There were five from XXXX   and one from XXXX. These were all online, not at an ATM or bank where Ill expect cash advance fees. The credit card agreement does not make it 100 % clear under the fees section that multiple fees are possible for the same transaction. It seems to suggest that international transaction fees are only for purchases and not cash advances ( since that has its own fee ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am able to get al my credit reports and information except Equifax. They say they are unable to recognize my social security number and have given me a lot of incorrect information. 
They won't assist me in fixing despite me explaining I've had 2 credit cards reporting my payments to them and having a 3 year old SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I initiated an request for removal of a {$5400.00} federal tax lien on my Transunion credit file on XX/XX/2018. The federal tax lien was satisfied, released and withdrawn by the IRS. The IRS filed form XXXX Withdrawal of Filed Notice of Federal Tax Lien After Release with Clerk of Superior Court of XXXX XXXX XXXX XX/XX/2018. 
Transunion responded on XX/XX/2018 that it was being reported accurately. 
I verified with the Clerk of XXXX XXXX that this federal tax lien has been withdrawn and it is no longer reportable. 
Transunion did not properly contact the Clerk of XXXX XXXX to verify this lien.

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 2018-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I had XXXX amount of ethereum taken away from my account on XX/XX/2017, The day when XXXX was introduced to coinbase. Initially I thouth it could be bcasue of the Coinbase glitch which they might return once resolved. The transaction list shows its sent to Coinbase. I am not informed the reason and not returning back my currency ( XXXX eth ) with a support ticket open for more than a month now. 


Coinbase Support Ticket /Case number : XXXX Account : XXXX Ph : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
The billing due date is the XXXX XXXX of every month. I opened this credit card XX/XX/2017. Timely payment is made each month via my auto bill pay service the 2nd business day of each month. The minimum payment due is {$78.00} per month and the payment submitted is {$500.00}. This company has charged me a late fee of {$38.00} per month even though payments are consistently received the first week of every month. This billing cycle system is a scam to charge customers invalid late fees. 
Upon several emails via their secure on-line messaging service on the website, I was able to recover 1 late fee, with an offer to adjust my billing due date to the XXXX of each month. Which, I accepted and was then charged yet another late fee. 
This company is profiting off of unsuspecting customers by fraudulent billing practices.

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 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On or about XXXX of 2017 we XXXX vacation trip with XXXX XXXX. XXXX XXXX is an online travel agency. They lured us under false pretenses and purchasing a vacation package only after did they charge us did they explain to us their refund policy which was no refund at all under any circumstances at any time. Also went to their website which does not have their vacation refund policy posted anywhere. Contacted my credit card company American Express, American Express is ruling in favor of them despite the fact that XXXX XXXX offered to partially credit my account. American Express has advised me to dispute this process and this charge which I have done now 13 times and they keep coming back telling me that I owe the money. I asked them if they felt that it was morally and ethically correct to be charged for something in the capacity that I was and they will not provide a clear end definitive answer. Been a customer with them for 15 years with impeccable payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The debt under XXXX XXXX XXXX XXXX for XXXX was listed on my affidavit id theft under 2 accounts not irs on one with that balance. That is false info remove asap. I will report to the FTC because stuff that was removed is now being added al overt again Remove it asap

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 2018-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
The Valley National Bank gave me {$1000.00} over-draft protection. The two bank officers at its branch in XXXX, New Jersey told me this. One said, " XXXX XXXX, I have good news. The bank has approved your application for {$1000.00} over-draft protection so you do not have to worry about fees for insufficient funds. '' Subsequently, the Valley National Bank charged me {$72.00} for two checks for alleged insufficient funds. 

I do not want to bank at Valley National Bank anymore given this incompetence and inefficiency. But I paid nearly {$100.00} for business size checks. I want to close my checking account and be refunded the said payment for the business size checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I paid off my entire balance owed prior to my XX/XX/XXXX bill being due, and capital one Billed me just over 20 dollars for interest saying it was interest owed from before i paid my balance, however the balance was at XXXX when they added the interest, i paid all the charges that were there on the account i feel they should not have ability t0 add charges to a XXXX balance, my papers when i opened the account stated that no fees would be added to a XXXX balance if i kept it paid, and that was my understanding so if I'm wrong and misunderstood that, well i know now they carry interest per day of the month and my bill may not reflect the totality of what is owed on a given day however this was not my understanding prior to seeing these charges and i feel it ridiculous that i should pay this fee. I never ask for much but i want this charge reversed, i paid this to XXXX and believed it was to remain at XXXX until i used the card again, or until they billed the yearly fees again, in no way did i expect another interest charge to be added and I'm very disappointed that they refused to work with me and remove the charge when i called i was not rude or vulgar or impatient i just don't understand this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-06 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
XX/XX/2017 ONEMAIN FINANCIAL Promotional Inquiry XX/XX/2017 ONEMAIN FINANCIAL Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX  Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry I did NOT inquire about any of this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please help 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 2018-02-06 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX and XXXX of XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX and XXXX of XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please help 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 2018-02-06 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: Liberty Holdings, LLC
State: IN

Complaint narrative:
XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX  Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry I did NOT inquire about any of this!

Company response to consumer: Untimely response
Consumer complaint received 2018-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX provided me no statements/bill in the mail. I had to make a payment over the phone witch they charged me a " express payment fee '' Then a month later I get a postcard that my account is past due I call them do find out the payment was not processed and they tell me I provided them in an incorrect account number. I asked them to confirm the account number they have one file that I provided them and they told me they are unable to do so. I pay a series of other bills from my XXXX XXXX account without issue. 

They are reporting a late payment on my credit report. This is lowering my credit ratting. My entire reason for getting a card from XXXX XXXX XXXX was to build my credit. I feel it was XXXX XXXX XXXX error in processing the payment not mine that has cased the payment to process late. They also should have noticed me sooner if there was an issue with payment

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 2018-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On my transunion credit report it doesn't show my XXXX limit as XXXX $ but it instead it shows my old limit. i have a XXXX and XXXX XXXX credit card which i cant see on my 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 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: SC

Complaint narrative:
I paid my credit card account off with the First National Bank of Omaha on XX/XX/XXXX by paying online from my debit account the amount of {$26000.00}. I then made an additional payment of {$1200.00} on XX/XX/XXXX XXXX out my account. I paid the card off before the end of the month but was still charged interest for the purchases I made for the month of XX/XX/XXXX after my account had a XXXX  balance. I called the bank the day before I made my initial payment and was told that I could not receive a payoff amount because they didn't know what I'd purchased. After the additional interest charge of {$100.00}, I called the bank and asked to speak with a supervisor and was told that because I didn't ask for a payoff, I was billed the additional interest. I was eventually forced to pay the additional interest on XX/XX/XXXX for the full amount. I was not allowed a minimum payment. The bank mailed new credit cards to me and I sent them back with a note that I would not be using their credit cards. I had no intention of getting into this type of debt again and had decided to leave the account open, since I'd had this card since XX/XX/XXXX and had an excellent payment history, but not use it unless I had an emergency. I made absolutely no request to close my account nor did I sign the notation. As a card holder, I have every right to refuse additional cards. The bank, during a conversation that I have taped, said that I inferred that I wanted my account closed, closed the account, and refused to reopen it when I spoke with them. They acted in bad faith by refusing service to me for an account in excellent standing and closing my account without my permission.

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 2018-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have derogatory information on my three credit bureaus from TransUnion, XXXX and XXXX that are not correct Ive tried numerous of times contacting and speaking to the credit bureaus about the negative information there reporting on my credit report and I have also complained to them that someone who I know and trusted which was a family member that used my personal information to obtain credit using my personal information also there are lots of hard inquiries being reported on my credit reports which I didnt authorize could someone please help me out with these problems Im having thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I have inquiries on my credit report that I didnt authorized. Some inquiries are duplicates too. These are damaging my credit report and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
I revived a letter from Gold Key stating that the debt was or will be removed from my credit report. 
Also you have not contacted XXXX to report the changes in my credit report, I would ask you to do so, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I have a vehicle loan with USAA at 10.10 % interest rate. My monthly payment is {$420.00} of which 30 % goes toward interest payments. I was also advised I would need to pay a dept protection fee of {$40.00} per month. When combined, 40 % of my monthly payment does not go toward reducing the balance of my loan, but goes to USAA. This false claim constitute predatory lending practices. 

I have had other loans with USAA where the predatory lending practices are contrary to their claims of providing great financial products to service members. I served in the military for 28 years, and instead of USAA providing reasonable financial services, they engage in predatory lending practices aimed exclusively at our military service members. 

USAA could resolve this complaint by ceasing and desisting with these predatory lending practices, stop the false narrative and false advertising of 10.10 % interest rate when the actual rate they receive is 40 %, stop deceiving military members with predatory lending practices and reverse the abusive charges and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation