vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-26 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: LA

Complaint narrative:
Hi, I have sent in several letters including a affidavit to all 3 credit bureaus about a fraudulent account on my credit profile with a XXXX XXXX XXXX they continue to respond verified when I asked them to send me information on how the account was verified The refused to which is a volation .according to the According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Bureaus are required by federal law to verify ..through there failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts.All 3 bureaus sent me a letter stating the account was verified i asked them for proof of how they verified the accounts they did n't respond ..I sent company a letter asking to verify the account and to send me a copy of the original contract I received a letter response from the company which I 've included that they could 've send me a copy of the account application because it was done online or via phone do you know how many people steal people identity everyday and could n't opened this account online r by calling. I 've included a copy of this letter

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 2018-01-26 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: LA

Complaint narrative:
Hi, I have sent in several letters including a affidavit to all 3 credit bureaus about a fraudulent account on my credit profile with a XXXX XXXX XXXX they continue to respond verified when I asked them to send me information on how the account was verified The refused to which is a volation .according to the According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Bureaus are required by federal law to verify ..through there failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts.All 3 bureaus sent me a letter stating the account was verified i asked them for proof of how they verified the accounts they did n't respond ..I sent company a letter asking to verify the account and to send me a copy of the original contract I received a letter response from the company which I 've included that they could 've send me a copy of the account application because it was done online or via phone do you know how many people steal people identity everyday and could n't opened this account online r by calling. I 've included a copy of this letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 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: GA

Complaint narrative:
Ive contacted XXXX  Experian and XXXX  several times dealing with this issue. I asked for each Bureau to do an internal investigation which takes only 3-5 days but it seem that the only thing that they all decided to do was send me a letter stating the inquiries were verified. There is no possible way any errors can be found as verified. I asked for validation and also any documents bearing my signature 30-60 days ago and there was no change to my credit and no documents sent to me but a bogus verified paper. Experian XXXX and XXXX   has blocked my credit file without my consent several times and used my credit profile to place errors on my credit file making it difficult for me to apply for a home loan. I mentioned this to the rep and she disregarded every word I said to her so now Im forced to take legal actions which I have filed a lawsuit against all three credit bureau and its in process. I have attached the inquiries that are reporting on my credit report as an error and I demand that the inquiries listed and the error addresses be removed by the weekend, if not Ill go back down to XXXX XXXX County Courthouse and file another lawsuit seeking {$10000.00} for damages. I was suppose to purchase a home but my credit file was locked and blocked from creditors seeing my score and information so I have to wait for a few months. Im just sick and tired of the bs and I will definitely make sure that all three bureaus receive this message.

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 2018-01-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently received a copy of my Experian Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. Insurance C. Employment D. Court Order The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.

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 2018-01-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have two credit inquiries on my account that should not be there and was hoping to seek help to remove them. Both of them were pulled on the same day as well as by two companies in California. I 've never been to California nor have I ever done any business with those listed companies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2018-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In early XXXX i opened an account with Chase Bank using their {$200.00} coupon. The terms state that if you open an account and set up direct deposit, youll receive a {$200.00} bonus within 10 days of that direct deposit. 10 days from my direct deposit was last Friday, XXXX XXXX. When i still hadnt received the bonus on Tuesday, i went into the branch on XXXX XXXX and spoke to the branch manager XXXX. She apologized for the inconvenience and said she sees that i met the requirements and that she would manually deposit the money into my account ; that i would see the funds in my account the next day and that she would keep an eye on the account to make sure i didnt receive a double deposit. So the money was supposed to be in my account yesterday. When i didnt see the money i called the branch and asked to speak to XXXX. She told me she never said Id have the money yesterday ... which i know for a fact she said that ; my boyfriend was with me and said the same thing. She said that i would have to wait 10 days after my NEXT direct deposit ... which isnt happening until NEXT Friday. So today i called customer support ; they kept me on hold for over half an hour ... .then told me there was nothing they could do ; that i would have to wait the extra 3 weeks before receiving the bonus. I made payments expecting the {$200.00} to be in my account last week. Now i have {$1.00} to last until next Friday. The 3 people i spoke to in customer suppprt were rude and condescending. I asked them to please look at the dates of everything and credit my account for the funds that were supposed to already be in there, and they were rude and said Id just have to wait. Now Im being told my only option is to go into the branch and speak to the manager again ... .when the manager already lied to me about when the funds would hit my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-26 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: AZ

Complaint narrative:
I recently received a copy of my Transunion Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. XXXX XXXX XXXX XXXX XXXX XXXX The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.

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 2018-01-26 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 — Investigation took more than 30 days
Company: AES/PHEAA
State: DE

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XX/XX/XXXXto   XX/XX/XXXXwhich are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I applied for Capital one Secured Credit card. with an opening deposit of XXXX funded by XXXX XXXX XXXX account around XXXX XXXX. Capital one Approved my Application. They processed my opening payment. XXXX  XXXX XXXX approved the payment. Capital one then Put a 10 day hold on funds before sending out my card. XXXX XXXX I received the card. I activated card and used card, XXXX XXXX XXXX  .Capital one Restricted MY account. I was put through Identity Questions, i was cleared and accepted and account was restored. {$600.00} charge posted to my current balance. I paid {$600.00} XXXX XXXX. Capital one then placed a 5 day hold on payment. XXXX XXXX the hold was removed released my payment capital one Then restricted my account again. XXXX XXXX XXXX, i was asked series of questions i was told i needed to buy a phone in my name with a billing address that match their verification system the outcome of that i was told they will restrict my card at any time. i told them i have cricket non contract prepaid {$60.00} month to month phone with personal information like my name and my current address with my phones documents. But i am able to receive my capital one daily spent alerts on my text message, i enrolled in capital one app and was verified with my phone to register it with capital one mobile app. I was successful enrolled.2 -3 day deposit trail was processed to XXXX XXXX XXXX for verification of authorized user of account.The verification was validate and verified to capital one. XXXX XXXX my account was released from restriction. and then placed back on restriction. I was told they needed bank statements, ownership of account with bank. I provided capital one what they requested. Capital one demands outrages and violate my privacy with my bank. I have NONE RETURN PAYMENTS. I PAID MY FIRST PAYMENT EARLY. ALL PAYMENTS WAS PLACED ON 5 DAY HOLDS. AND RELEASED. I WANT CAPITAL ONE TO GIVE ME MY MONEY BACK AND CLOSE MY ACCOUNT. THAT AMOUNT IS {$440.00} THAT THEY ARE JUST HOLDING WRONGFULLY DEMANDS VIOLATING PRIVACY MISLEADING AND ODD VERIFICATION STEPS THAT REALLY PHONY SEEMS FAKE I PROVIDED ALL APPROPRIATE DOCUMENTS THEY NEED TO SEND ME MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: AZ

Complaint narrative:
I recently received a copy of my Equifax Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. Insurance C. Employment D. Court Order The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
To whom it May Concern On XX/XX/XXXX, I received my account statement for my Personal Credit Line N XXXX, but I do not agree the interest rate on it. I have been complaining this account several times regarding the misleading and unfair interest rate Wells Fargo have been charging me these months. For example, in the statement ofXX/XX/XXXX, they applied an interest rate of 20.05 %, but in XXXX the interest rate changed to 20.75 %. Despite I have been paying more than half of the credit line, the interest rate still is unfairly increasing monthly. This unjustified and wrong action that has been taking by Wells Fargo against its clients must be stopped by a competent authority. 
I would take the respective actions, if Wells Fargo keep charging me this high and unreasonable interest rates. Also, I would stop my payments until my complaint was considered and my interest rate get changed to the initial yearly interest rate of 8.5 % ; which was offered to me when I filled and summited the application for this credit line in the XXXX XXXX store. 
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 non-monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
failure to acknowledge QWR wishing 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XXXX to XXXX which are incorrect.

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 2018-01-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XXXX to XXXX which are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XXXX to XXXX which are incorrect.

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 2018-01-26 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: KY

Complaint narrative:
For a month now I have been trying to withdraw my money from my account and it will not let me. It gives the error Im trying to close to many accounts. I only have one account. You have XXXX of my money that I need to pay my mortgage and other bills. I have emailed you over 30 times, called ( your customer service is not helpful at all ) put on XXXX  and XXXX. I need results I need my money out back in my XXXX XXXX  account. My email is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: MO

Complaint narrative:
XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies transunion, XXXX and XXXX. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

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 2018-01-26 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: MO

Complaint narrative:
XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

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 2018-01-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
We did defiance with quicken loans. My inside company sent them both my policy 's and they only included one ins to our new mortgage. XXXX 2 months, I reaized it, asked me for recorded calls. They could n't find. So my payments that were suppose to e less are now, way over our head they had all XXXX during process. Is there anything we can do we are behind and in pro patio no period for a re modification to our loan, which they did n't I form we had this option till we were over 8months behind, refused my payment after I was to, d, as long as I paid before, the XX/XX/XXXX, I could.i called on XX/XX/XXXX to make payment, they would n't take it. All backpay or Nothing. Then after forclouser process was well rolling, they offfered the modification. When I feel should have been offered right away. Also the ins added an additional XXXX to our monthly payment which is crazy, as they had all the info

Company response to consumer: Closed with explanation