vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I ordered my annual free report from " ChecxSystems '' Consumer Relations located at XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX and received it Saturday XX/XX/2018 in there it has variations of my First Name, Middle initial, and Last Name. There were 3 variations of my current address. I Called this morning XX/XX/2018 to ask the Rep. if he can consolidate my Name variations and address variations and he said " I apologize but I can not do that '' I asked him to check the manual or with the manager, since in the past I would make corrections on the " Big 3 '' credit reporting agencies and had relatively no problem fixing up and consolidating variations, but he was unwilling to help in this matter. This is why I am opening this complaint since I do not believe that corrections and consolidations can not be made. 

Letter is by me should, and I will upload it when asked. 

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 2018-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Wrong social security # XXXX my number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
We live in XXXX, TX near XXXX  and was our house was flooded during hurricane Harvey. Our mortgage was through XXXX XXXX XXXX. They granted us a 3 month forbearance which would of been up in XX/XX/XXXX '. During our forbearance in the beginning of XX/XX/XXXX ' they sold our loan to Freedom Mortgage. I contacted Freedom to discuss the forbearance which they were aware of. We sold our house and paid the loan off in full on XX/XX/XXXX. In XX/XX/XXXX' we received a letter from our credit protection agency stating Freedom Mortgage filed a 60 day late payment to both my and my wifes credit. We contacted Freedom and the person we spoke with told us that the report shouldn't of been made and they would take it off. 30 days later we received a letter from Freedom stating that the filing was correct. We contacted Freedom Mortgage again and they again stated that the filing was incorrect. We are trying to get financed for a pool and this negative reporting has wrongly lowered our credit score over 50 points. They keep telling us that they will correct but have taken too long to do so.

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 2018-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one 360 my account was compromised and XXXX $ was stolen from my account. They refuse to help me retreave any information and closed my account and refuse to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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 — Card was charged for something you did not purchase with the card
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL

Complaint narrative:
I order a key for specific trunk and paid a total of XXXX to moneygram to pay for key at individual request on XX/XX/. Once I found out he wasn't shipping key I immediately requested a refund on my credit card through moneygram.onXXXX. I have heard nothing from moneygram on my refund. The person does this quite frequently. 
Name/s used ; XXXX XXXX or XXXX XXXX and XXXX XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
I initiated a request to move all of my Ethereum from my vault to my wallet with the intention of selling on XX/XX/XXXX. At the time, the value of my investment was almost {$10000.00}. Coinbases delay has caused me significant losses ( approximately 40 % ). I never received a secondary confirmation e-mail from Coinbase, so Ive been unable to finalize the withdrawal.

I called Coinbase on XX/XX/XXXX to have a ticket opened on the issue, and was told it had been escalated to the highest level possible, and that details were included. The representative did not add any level of detail, even though they said they could see the issue was coming from a glitch within Coinbase. I then went in on XX/XX/XXXX to add the additional detail so the issue could be resolved. 
On XX/XX/XXXX, I still hadnt heard back, so I called again. This time, the representative stated that due to a backlog, it would likely be several weeks before I heard anything back from the company, and additional time to resolution. I find this completely unacceptable every day Im unable to withdraw, I am losing money. This has caused me a great deal of personal and financial stress to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX in New York has stated that their policy is to charge the customer {$2.00} anytime he or she uses the XXXX XXXX debit card as a debit card -- if you enter in your pin number to complete a transaction with your XXXX XXXX debit card, you will be charged {$2.00}. If I check out at the store, I need to select " credit '' ( even though the card is a debit card ) and sign for it, because if I enter my pin, there will be an automatic {$2.00} fee. If I use an ATM machine, not only does the ATM machine charge me its fee, but XXXX XXXX charges its own {$2.00} fee because I am using my debit card as a debit card and have entered in my pin number. I have called twice now about these fees -- - the first time, a customer service representative waived {$14.00} worth of fees ( incurred for not selecting " credit '' when using my debit card to check out at stores ). More recently, I had to visit an ATM machine three times over the course of a week, and then realized that XXXX XXXX   was charging me that same {$2.00} charge for every ATM transaction as well. I called customer service again and they explained that this is just their policy. I was not informed of this policy when I opened my account. A {$2.00} charge for every debit transaction with a debit card seriously adds up, and it seems like this can not possibly be okay. I think they have this policy set with the hopes that people will not notice the fees as they rack up. It has also been impossible to do bank-to-bank transfers from my XXXX XXXX   account since XX/XX/2017.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-05 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: DISCOVER BANK
State: NY

Complaint narrative:
I received this XXXX XXXX XXXX of debt in 2015 to claim on my taxes. I got it after I filed my taxes. I ended up ammending them and claiming them on my taxes. I had to pay taxes on them so I have contacted Discover multiple times by phone and disputing on my credit report. They always come back with the information is accurate and will keep showing it on my credit report the way it is. I went and got credit counseling and they said what Discover is doing is illegal. They are showing a revolving balance and they charged it off and I claimed it as income. This has been an ongoing process for two years. I want it to show properly and not show a balance. This needs to be taken care of I will submit my proof along with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: MI

Complaint narrative:
Experian continues to include inaccurate information on my credit report. In 2017 I filed a complaint regarding the reporting of a tax lien from the XXXX XXXX register of deeds. I asked them to verify the validity of this tax lien. XXXX has complied and removed the erroneous information from my credit report. Experian refuses to do so. I am requesting that the tax lien from the XXXX XXXX register of deeds be removed immediately.

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 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: IN

Complaint narrative:
I've tried to dispute an account on my credit report multiple time and I have yet to receive an outcome. I have never had a XXXX account in my name, nor have I had any XXXX services. I've contacted the debt collector twice by mail ( letters attached ) and the debt has yet to be verified. I haven't gotten a response from the debt collector as of XX/XX/18.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a kohls card that is now closed which was agreed on a buyout and I recently was on my XXXX XXXX and noticed it saying it was closed and is possibly building $ unsure what exactly going on there since it was all paid up however it was all agreed upon with a one time fee which I had paid and all was gon na come off my account. For some odd reason it is still showing on my credit parts from XXXX. I just want it settled and updated for XXXX that I do not owe anything since It was settled between myself and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has been deducting funds from my account well before checks are actually cashed. 

When customers use the Bank of America 'bill pay '  service, the bank 's 'standard ' practice is to deduct the amount of the check from the customer 's account on the day the bank says the check has been delivered instead of when the check is actually cashed. Customers frequently have no way of knowing if the check was actually cashed at that time or much later. 

I sent 2 checks for {$3000.00} through 'bill pay ' ; both checks were deducted from my account on XX/XX/XXXX. The bank did not provide me with images of either 'cashed ' check. In fact, one check was received well after XX/XX/XXXX and cashed on or about the XXXX. The other was never received and I had to cancel payment. Meanwhile, the funds were held, and I'm assuming used, by the bank. In my youth, this was called kiting. 

As a XXXX, I can imagine the interest the bank must collect on the funds resulting from this 'standard practice ' when calculated on a national basis. 

What can be done about this? 

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 2018-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
During the week of XX/XX/2018, I had contacted American Express to enroll in a Payment Program in order to be set on a fixed 5 year plan to pay down the balance on each Account I have with American Express. According to American Express, I was authorized, and at that point, I agreed to start with an initial payment ( and subsequent payments per month for the same amounts ) of {$310.00} for the American Express Everyday card and {$30.00} for the American Express Blue Cash card. 

Both payments were collected. A few days later, I contacted American Express and was informed that due to a " System Issue '', I was not enrolled in the Payment Program and that they were attempting to collect, yet more debt ( even though I had already satisfied the first Sequence of payment arrangements due to my assumption that I was enrolled in their Payment Program ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-05 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: MI

Complaint narrative:
XXXX  continues to include inaccurate information on my credit report. In 2017 I filed a complaint regarding the reporting of a tax lien from the XXXX XXXX register of deeds. I asked them to verify the validity of this tax lien. XXXX has complied and removed the erroneous information from my credit report. XXXX  refuses to do so. I am requesting that the tax lien from the XXXX XXXX register of deeds be removed immediately.

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 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ResidentCollect, Inc.
State: OH

Complaint narrative:
I filed chapter XXXX bankruptcy and it was discharged in XX/XX/2015. The debt was originally through XXXX XXXX for XXXX XXXX XXXX in XXXX, Ohio. The lease was signed before I filed bankruptcy. The debt was sent to a collection agency. As a result, my credit report reflected this debt that is no longer valid and had made my life horrible. Innovative Recovery is still holding this debt against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
This company is calling my employer. The phone number is XXXX. They last called on XX/XX/2018 at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Three ( 3 ) returns are in the " back office '' of PayPal for review. Two of the returns have been received by the seller and the other one is in my possession but not true to size. It takes months for the so called " back office '' to review and refund the money back on my PayPal Credit account. Also it takes 2 weeks before PayPal will note a payment that is sent via USPS.

I was advised by a PayPal representative differently. I was told that when the merchant received the merchandise back, the refund would be placed on my account. This is not true.

It takes months for PayPal to refund credits on a PayPal Credit account even though the merchant has received the merchandise back.

PayPal is horrible and takes forever to make refunds and then it takes two weeks for the refund to properly register on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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:
I had a XXXX card that is now closed which was agreed on a buyout and I recently was on my XXXX XXXX and noticed it saying it was closed and is possibly building $ unsure what exactly going on there since it was all paid up however it was all agreed upon with a one time fee which I had paid and all was gon na come off my account. For some odd reason it is still showing on my credit parts from XX/XX/XXXX. I just want it settled and updated for XX/XX/XXXX that I do not owe anything since It was settled between myself and customer service.

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 2018-02-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had a XXXX card that is now closed which was agreed on a buyout and I recently was on my XXXX XXXX and noticed it saying it was closed and is possibly building $ unsure what exactly going on there since it was all paid up however it was all agreed upon with a one time fee which I had paid and all was gon na come off my account. For some odd reason it is still showing on my credit parts from XX/XX/XXXX. I just want it settled and updated for XX/XX/XXXX that I do not owe anything since It was settled between myself and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: MI

Complaint narrative:
In 2017 I filed a complaint with experian. I told them that they are reporting an incorrect balance that I owe to XXXX XXXX. I asked them to verify the information and to delete the information if they cant validate it. They continue to report inaccurate balances on my credit 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 2018-02-05 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: MI

Complaint narrative:
In 2017 I filed a complaint with equifax regarding an incorrect balance on my credit report with XXXX XXXX. I informed them that they are reporting inaccurate information and asked them to verify the information. They refuse to remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I have on my credit report on all 3 CFA 's a collection amount of {$7600.00} from XXXX XXXX. They claim they are collecting from a debt they purchased from XXXX XXXX, the debt from what I understand originated XX/XX/XXXX with XXXX and Midland took it over XX/XX/XXXX. I have never had business with XXXX and they do not show on any of my credit reports from the 3 CFA 's. I have disputed this claim since XX/XX/XXXX. My dispute was based on one : I have never had business with XXXX and secondly from doing some digging it appears this account was opened in XXXX XXXX at an address of XXXX XXXX XXXX XXXX. XXXX XXXX which I have also disputed with the 3 CFA 's because I have been living at my current address in Maryland since XX/XX/XXXX. It appears Midland continues to ignore my disputes and I have never received any documentation with signatures or anything regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my second complaint for the same issue. The first resolution is the incorrect data was supposed to be corrected. I even received correspondence from Equifax that it would be removed. However, Equifax is still reporting XXXX XXXX as having a balance owed. This account was paid off XX/XX/2017. XXXX correctly reports a XXXX balance. 

I need this resolved.

Company response to consumer: Closed with non-monetary relief