vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-08 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: OK

Complaint narrative:
Good morning, I recently received a copy of my Equifax credit report and after reviewing it, I found information on the report that are inaccurate. The account in question is below. I disputed the information via Equifaxs website. However, the information has not been correctly verified yet still remains on my credit file. As of this date, I have not received any copies of the documents that Equifax have in their files verifying the accuracy of said account. 

XXXX XXXX XXXX XXXX {$65.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Dear EXPERIAN : Please be advised that you are reporting the wrong Public Record information on my credit report. Please delete and/or remove the Bankruptcy from my report as it does not belong to me and is being reported in error : Record Type : Bankruptcy chapter XXXX-discharged, Filing Date : XX/XX/2013, Amount : {$0.00}, Reference Number : XXXX Court : US BKPT CT WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX, any help you can give me with updating this information as soon as possible would be greatly appreciated.

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 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Dear EQUIFAX : Please be advised that you are reporting the wrong Public Record information on my credit report. Please delete and/or remove the Bankruptcy from my report as it does not belong to me and is being reported in error : Record Type : Bankruptcy chapter XXXX-discharged, Filing Date : XX/XX/2013, Amount : {$0.00}, Reference Number : XXXX Court : US BKPT CT WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX, any help you can give me with updating this information as soon as possible would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Good morning guys, I am XXXX XXXX XXXX XXXX, I noted that my credit report through XXXX XXXX has an incorrect information. 
My mortgage account with Banco Popular of Puerto Rico still open and in good or excellent status. 
The only things is that the names in that account was changed from my Mother ( XXXX  ) and me to my only name because of donation of my sister participation. 
The account never has being closed. 
So please correct this information that affect my credit score, with Banco Popular of Puerto Rico.. 

Sincerely, XXXX XXXX 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 2018-03-08 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: PR

Complaint narrative:
Good morning guys, I am XXXX XXXX XXXX XXXX, I noted that my credit report through XXXX XXXX has an incorrect information. 
My mortgage account with XXXX XXXX XXXX XXXX XXXX still open and in good or excellent status. 
The only things is that the names in that account was changed from my Mother ( XXXX ) and me to my only name because of donation of my sister participation. 
The account never has being closed. 
So please correct this information that affect my credit score, with XXXX XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXX 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 2018-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Purchased a used car ( 2 yrs old ) with down payment and monthly payments of {$230.00}. About halfway through the loan, I made a payment of {$3500.00} and was told I didn't have a payment due, at that point, for over a year - approximately 15 months. The month after I paid the {$3500.00} ( that I thought included payment of the financing charges and principle ) I started paying {$150.00} for the next 7 months then lesser amounts of about {$80.00} for the next 3 months. 

Here is the issue, for all of the payments I made of {$150.00} and {$80.00} during the months that no payment was due, the bank still deducted finance charges from those payments. As stated above, the {$3500.00} payment covered 15 months of all charges, yet I was still charged finance charges on the additional payments. 

My question is were those finance charges on the lesser payments legal.

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 2018-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have Euro XXXX sitting in my account with coinbase. 

I have been trying to withdraw the funds for the past 4 weeks. 

The first week was due to my error in linking the wrong account. since then I have sent XXXX euro to verify my account as per their online instructions. 

I have reported via their support desk and called them 3-4 times from the XXXX. 

They said that I should send XXXX euros to make it work, which I did. The money appeared in my Coinbase account but the bank account is still not verified. 

they say they have a backlog of issues like this, this is unacceptable and I need to withdraw these funds as soon as possible. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My loan was as of XX/XX/XXXX was at {$9500.00} ( for XXXX in XXXX FL, was not listed ). My monthly payment due was {$67.00}. Every month to date I send in {$100.00}, and payment has been received on time since XX/XX/XXXX. 

Last week when logging in to my account I noticed my balance is now {$12000.00}. 

When I called to find out why my loan amount had went up, they told me that my interest capitalized do to not renewing my deferment plan. 

However I was also told it was time to renew again due in XXXX. 

So I stood confused as of to how did I get on a new deferment if it had ended. 

The deferment was for the XXXX so shouldn't my monthly payment have just increased to the regular amount had that been the case, being that I send more monthly? 

No one seemed to be able to answer my questions clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Sent Portfolio Recovery a debt validation letter on XX/XX/XXXX to validate this alleged debt or remove same from the 3 major credit reporting bureaus. They sent me back a copy of an old XXXX XXXX bill. Sent them another debt validation letter on XX/XX/XXXX again asking them validate the debt or remove the item from the 3 major credit reporting bureaus. I received a letter dated XX/XX/XXXX stating claiming they had already sent a Universal Data Form electronically requesting them to delete XXXX, XXXX 's trade line for this account from my credit report to the 3 major credit reporting bureaus. As of XX/XX/XXXX this item still remains on my credit file with the 3 major credit reporting bureaus, XXXX, XXXX and XXXX. I have sent a copy of Portfolio 's letter to these credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC

Complaint narrative:
For three years, I submitted the appropriate documentation to XXXX XXXX for deferment of my XXXX Loan towards cancellation. Three years in, XXXX XXXX was bought out by XXXX XXXX, and this is when I began having issues. XXXX XXXX  claimed they never received documents mailed directly to their PO BOX ( with PII ), or never received faxes. ( I faxed my documents to XXXX XXXX with zero issues for the previous three years ). Finally when the five years ended and I was able to officially cancel my loan, I was told that I didn't meet the requirements. To me, if I didn't meet the requirements, the three years of paper work with XXXX XXXX and the one worth of paperwork with Heartland  should have never been approved. The first time it was denied, I requested to speak to a supervisor and was told that supervisors did not have phones and therefore I could not talk to one. They said I could resubmit for secondary review. I wrote a letter describing why I was qualified, and provided five years worth of documentation that I had been deferred towards cancellation. Again, I was told these documents were not received, and was given an email address to send the documents to. Upon Supervisor review, I was told that my job description did not meet the requirements towards cancellation ( the same job description I had provided for the past 5 years ). If this job description was not good enough, then why was it approved towards cancellation the past five years? I again called Heartland and told them I was going to report them to the CFPB. It was then that they said " you've said one of our key phrases, you may now talk to a supervisor ''. I told them what I had been told previously about the supervisors not having phones. They said that information was incorrect. After speaking with a supervisor, I faxed additional supporting documents ( letter from my supervisor and a more detailed job description ) regarding my position, to justify it meets the loan cancellation requirements. I contacted Heartland and they stated they had received no such documents ( this same thing was told to me almost every time i submitted documents to Heartland ). I then mailed the documents and am currently waiting for them to be received and reviewed by a supervisor. Currently, this issue has NOT been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I contacted XXXX XXXX XXXX to dispute a charge on my account from XXXX on XX/XX/XXXX. After a week, I found out that the dispute was never processed. So on XX/XX/XXXX another agent filed the dispute. The total amount of the charge was {$870.00} but I only asked to dispute {$400.00} of that charge. I was told that I would receive a letter in the mail from Capital One about the dispute and for me to send in any related docs I had to help the case. I never received anything, but 3 weeks later I get a notification on my phone that I had a deposit to my checking. The notification was that I received a deposit in the full amount of the disputed charge. I immediately called XXXX XXXX XXXX   and spoke with an agent and she informed me that XXXX credited my account. I asked her several times was this a provisional credit or a permanent credit and she assured me that it was permanent and that I did not need to take any further actions because XXXX decided to reverse the entire amount. Of course I was happy until a few weeks after that, I received a letter from Capital One stating that they were going to close the case because the merchant provided docs proving that the charge was valid. Again, I called Capital One to ask why I received this letter when I was told the credit was given from XXXX. A gentleman told me that the letter must be an error, but the credit from XXXX is a permanent credit from XXXX and that they can not reverse it. I asked him over and over again, was the credit a temporary credit and he ensured that it was NOT and that I can disregard the letter. Yesterday ( XX/XX/XXXX ) I receive ANOTHER letter from Capital One stating again that they are closing the case because the merchant provided docs saying the charge is valid AND that Capital One is reversing the temporary credit that was given on XX/XX/XXXX. So I called back to Capital One and NOW they are telling me the credit was only temporary. I am now VERY angry because this whole process was handled incorrectly! 
1. Capital One processed the dispute for the incorrect amount 2. I never received any letters from Capital One asking me to send in anything related to my case. 
3. I was told from 2 agents the credit that was on my account from from XXXX and NOT Capital One and it can not be reversed. 
4. I now can not escalate my dispute with XXXX because the t/f to continue the dispute with them has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
The problem is trying to get my PMI insurance removed from my loan payment. My loan is currently controlled by PNC Bank. My loan has reached 78 % of the appraisal value of my home and PNC Bank wants me to have the property appraised again by their appraiser from XXXX XXXX, in which PNC owns. Not to mention this sounds unethical, but according to document : Notice Concerning Private Mortgage Insurance-Fixed Rate Mortgages, that is in my loan packet it states the original appraisal value of the home at the time of the loan consummation shall be used to determine when PMI will be removed from the loan. They also stated in the first two conversations that my PMI would not be removed until XX/XX/2021 no matter what percentage of my loan I paid off that it was date set. According to what I have read from my loan paperwork and the Homeowner 's Protection Act this has to be a violation ( fraud ) of my mortgage contract that was originated by XXXX XXXX XXXX XXXX. We have never been late on a payment and almost every payment we pay additional on the principal, that's how we've already reached the 78 % value, you would think PNC Bank would be willing to reward its customers that have good records and work with them on such issues as this, but apparently that's not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I attempted to pay my rent for my business office space ( {$1400.00} ) as  requested by my landlord, he specified that the had an account set up with Chase Pay with XXXX and provided me his company name. I went to the pay page on Chase.com ( as I am also a Chase customer ). There no instructions on the page or disclosures about how this worked, just a space for an Name, mobile number or email. I put in the information ; Name and email ; and it stated it was pending and would send notification. After 8 days it did not got through, and I assumed that it must be wrong information and was not able to be verified. Since I am in another state, on XX/XX/XXXX, I attempted to send again using the mobile number of my landlord and company name. The transfer stated completed immediately. I contacted my landlord on XX/XX/XXXX and mentioned that the funds had transferred and he informed he had not received the money. I logged into my account and upon closer inspection realized that I had erroneously entered his mobile number. I contacted Chase that day as the wrong number obviously is registered and they would have a way to track where they money went that was clearly intended by name to my landlord. Chase informed that they had no liability in this situation, this was a user error and they do nothing to verify account information ( name and phone/email match ). They also told me that they would try to recover the funds but they would not file a claim nor would they pursue using their resources to get the contact/account information of the account holder that was given the number. Chase Pay with XXXX markets itself as a " safe secure '' way to send money but does not provide any protection in the event of the money going to the wrong person. Clearly Chase also endorses this as a safe way to transfer and yet has no process for safety or security to ensure verification of an account by name. There should be some type of guarantee when using your own bank recommended way of transferring money that the money is not going to the wrong person or if the wrong person fraudulently accepts this money without their name on it, the bank will pursue getting the money back in the same way they would if someone cashed a check sent to another name but to their address. There is no way to contact XXXX and Chase has not attempted to do so for me in case the money has not even been delivered. Clearly we have the contact information for the person who received the money and they must have a registered account with XXXX in order to get the money sent to them so the tracking piece seems like it should be easy but Chase says I am just out of the money. 

Marketing as safe way to send money but no protection by your own bank No guarantee the money reaches the intended person 's account I do have copies of the transaction, amounts, numbers, recipient name etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: WA

Complaint narrative:
I have asked Equifax to provide copy of sign agreement, applications, and any other documents that show two accounts are being reported accurately. Equifax said each account was being reported accurately, but never provided any documents to prove so and all three accounts still show inaccuracies listed below. 

Dispute Letters Sent : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Name : XXXX XXXX Issues : After investigation, account removed from XXXX Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section 609 Account Name : XXXX XXXX Issues : After investigation, account removed from XXXX and XXXX  Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section 609

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I see a collect debt on my credit report from XXXX XXXX XXXX, from original 01 XXXX XXXX XXXX. 

I reached out to the collection agency, but the issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX closed my XXXX XXXX credit card without notice and without cause. I have been making my payments on time for the last 6 months and currently have a balance. There should be no reason why my card was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 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: OH

Complaint narrative:
I tried to switch my family phone service to XXXX and was told in store I could keep my phone. I bought phones for other family members but was assured that my XXXX XXXX which was fully owned by me could be transferred to XXXX. After more than a week of trying to transfer the line, working with the store manager and on up the chain, I was told by XXXX that my phone could not be transferred and that the store should not have told me it could be. I had already paid XXXX for new phones for my family, and paid for a week of their service, but XXXX then tried to bill me for a week of service on my phone, which was never operational on their network. I spoke with XXXX and was assured that they would waive this charge, considering I had already incurred significant expense for new phones that were not needed, switch fees, and the charge to switch back to my former carrier.

Company response to consumer: Closed with explanation