vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 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: MA

Complaint narrative:
On XXXX and XX/XX/2016 my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of Business XXXX XX/XX/16 and XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Credit Service, Inc.
State: WA

Complaint narrative:
Company is trying to collect a debt amount that is much higher than debt actually owed. Attached is the documentation. I was also never served at my current address and my paycheck started to be garnished with no warning or summons issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please know after successfully completing a 60 month, 5 year pay plan for my XXXX XXXX XXXX. My case was officially recorded and discharged on XX/XX/2017. 

XXXX XXXX XXXX / XXXX XXXX was a creditor in my case as was paid a claim of {$11000.00} as part of the bankruptcy settlement. This information was confirmed by the courts stamped and recorded proof of claim ( POC ), and the courts Interim Final Report ( IFR ). 

I can not get XXXX  XXXX to do a proper and accurate accounting of the {$11000.00} paid to them per the BK court documents. 

They say the have not been paid. However, the court documents say they have been paid as proof in the Trustees Final Report. 

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 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Every tine a deposit is made that the CHASE bank does not think is proper it closes my accounts. Bank in XX/XX/XXXX I had a small overdraft that I attempted to correct, less than {$10.00} most likely less then {$5.00} by joining my XXXX XXXX account. when XXXX XXXX tried to verify the Chase account thru two small deposits of less than {$1.00} the bank, Chase, refused the deposits. I attempted twice to full filly my obligations by using this means. After the bank refused the deposited it charged me up to {$500.00} in fees for their failure to accept the linkage. My account was then closed. Finally I had to settle with a nasty Chase collector, he was located in TX, in XX/XX/XXXX. just to end the argument and not submitting my lawyers " Indigence ''. For a XXXX dollar over draft I had to endure over active bankers trying to make money on their own failure to give proper service. 

Just Recently after having several deposits from individuals not be legitimate, the bank, Chase closed all my accounts for the second time. For up to ninety day I was told that the deposits were good and received, then with out notice I was being investigated and my accounts close. Nothing i had done personally or with any fore knowledge had case the problems. 

Chase will tell you that they do not discriminate, but this is a falsehood on their part. As they do discriminate. When they do not want to give good service, Chase will treat their customers without regard to good customer service, treating their clients as if they were thieves with out good cause. They treat small accounts differently from large accounts. Because they are willing to be more compromising to larger accounts than smaller accounts. 

No one is perfect and is above have a few problems during a relationship with a company that spans many years. How ever Chase does not make mistakes and if they do they throw them into the street so that they are hidden and do not affect it data reports. 
And the employees are safe from any negative exposure. Chase is a large organization that its employees hide their bias and bad service by aggressive handling of accounts. At Chase the employees want large account for their egos and the have little regard for the small accounts My opinion about chase and it treatment of me is that it believes it has a monopoly, Therefor CHASE needs to be broken down into smaller parts. CHASE need to come down from it ivory tower and learn about the real world and that XXXX happen to good people from time to time. XXXX also told XXXX they were were of the earth and so must endure the world as everyone else. Banking brought us in to the digital age and with it cam all of the problems of a new system and all of its faults. Throwing the baby out with the dirty water does not make sense. When it is ordinary to get dirty.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/2017, We did a wire transfer of XXXX USD from my XXXX XXXXXXXX XXXX account to Coinbase wallet into their bank account. 

After About one week, I received a communication email from coinbase saying that my wire transfer has been rejected and I will receive my money back to my bank account in next 14 business days. 

I have raised multiple requests to coinbase, but every time I have been said that I have to be patient and wait for the specialist to revert back, but I have never heard anything from the coinbase specialists. 

It has been more than 2 and half months and I am still waiting for my money to be returned to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent the letter below via Certified Mail to Experian. Experian notified me by email that the dispute was complete but did not provide me with how the accounts were validated. I called Experian over the phone and they advised me that they can not provide the way the account was validated. If they can not provide the way the account was validated then the accounts need to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account Thank You, 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 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am XXXX XXXX woman who became very ill with a long term illness and had lost my husband. I had a XXXX XXXX. I have applied several times for a modification. The lender after many attempts finally acknowledged that I submitted a full package.. How ever the lender did not tell me about my denial until approximately two weeks later by their attorney. Please note that my initial mortgage was a pick a payment mortgage.

The lender says that they will not give me an modification because their desktop appraisal is too high. Prior to this they told me I was not getting a modification because I defaulted on a previous one. Ironically, they did not ask for an interior appraisal which would have resulted in a much less valuation.. I believe that no matter what I say or provide them they will not modify my loan. All I keep hearing is sell or refinance somewhere else. 
I believe that these actions are discriminatory because of my medical condition and race. I have seen others get streamline modifications without even applying for a modification.

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 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS

Complaint narrative:
I had an original XXXX XXXX XXXX Home Mortgage Loan for my primary residence which has been subsequently sold off to several other mortgage servicers. During the 2008 Financial Crisis my mortgage became insolvent and I was eligible for relief under the HAMP and TARP programs. I applied for a loan modification and was wrongfully denied a modification and have since been in litigation with the mortgage servicers for several years. Per TARP, HAMP and Federal Law. This was not supposed to affect my credit. However, my loan servicer still reports this as a derogatory mark against my credit. They have taken payments from me during a trial modification period. All the payments I made were made in good faith as well as being both timely and well documented. Once again they refused to reinstate my loan and demanded the entire mortgage ballooned to be due and payable in full. We have a written settlement agreement that they have refused to honor. They did not act in good faith and I am pleading for relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: McCalla Raymer Leibert Pierce, LLC
State: MO

Complaint narrative:
I was contacted by someone who knew everything about me. Name address social security number and phone. They frightened me, saying I would be served papers on a collection account ... and be subject to wage garnishment, tax interception, property liens. There is no such thing on my credit report. They sent me a contract to pay via e-mail. It has no physical address. It is very fishy. I'm scared because they know all my vital stats and feel it is probably data from a breach being used to trick me into paying money on a collection issue which has been long since resolved. I can forward you that document to look at. I at least would like professional second set of eyes on it. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bepensa Capital, Inc.
State: SC

Complaint narrative:
3 months after I bought the car it broke and I had to fix it because the finance company Afs Acceptance wouldnt fix it. Its XXXX XXXXXXXX which cause me not to be able to make my payments and I was keeping contact and all. They didnt have to look for me or wonder whats going on. And I still have the car they dont want it back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
On XX/XX/XXXX I opened Access Checking Account # XXXX ( last four ) with XXXX XXXXXXXX XXXX at the XXXX, Florida Branch. I presented " Checking & Savings Promo Code '' XXXX in person. The teller confirmed I was eligible for this promotion and assigned it to my account. Please see attached email " Checking Code.PDF ''. 

I completed all requirements of said offer : " Bring the code above to your nearest financial center or apply online and open a new personal checking account with money not currently on deposit at XXXX XXXX or Whitney Bank by XX/XX/XXXX. The promo code is required at account opening. This offer is non-transferable and can not be combined with any other offers, and valid only for the person residing at the address the offer was mailed to. Limit of one new consumer checking-account-related bonus per household per calendar year. Enroll in online banking and select online statements, and make five eligible purchases with your debit card by XX/XX/XXXX. Eligible purchases include those with either a signature or PIN, excludes Online Bill Pay and ATM withdrawals. '' These steps were completed on XX/XX/XXXX ( please see STATEMENT.pdf ). For these steps, I made five purchases of groceries at XXXX. 

The terms state I should receive {$300.00} by XX/XX/XXXX. 

On XX/XX/XXXX at XXXX, I called XXXX XXXX 's customer service line and spoke with " XXXX '' ( I retain a recording of this conversation ), in which XXXX spoke with the promotion team and confirmed I am to receive the {$300.00} by XX/XX/XXXX, however no ticket is able to be made until the bank has violated its terms of the agreement on XX/XX/XXXX. 

XXXX XXXX then failed to provide me the {$300.00} by XX/XX/XXXX. 

On XX/XX/XXXX at I continued to not have the funding and I called XXXX XXXX customer service. I spoke with XXXX ( or XXXX? difficult to hear on recording ) ( I maintain a recording of this conversation ). She stated, " They did indicate that you were supposed to receive that by yesterday, they sent an email over to see what was going on with it. We're just waiting on a replay on that email to find out what's going on with the gift card promotion that you were supposed to have deposited into your account. '' XXXX XXXX has not given me the funds owed as of today XX/XX/XXXX ( see current account status.pdf ) and I request the CFPB 's assistance in communicating further with XXXX XXXX regarding the funds owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC.
State: CA

Complaint narrative:
I am receiving conti8nuous phone calls from a company trying to coolloect a debt from XXXX which I do not believe is mine. I have repeatedly informed them it is not mine and continue to get phone calls threatening to taike legal action, sue me, or have me arrested. They have also reported it to my credit under ABR Recovery Services as a collection account being opened in XXXX, resultng i8n a drop in my crdit score and other creditors reducng my credit lines. I have disputed ths on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
I paid a a loan and two credit card payments on line with USAA. The next day XX/XX/XXXX I went online and saw where the payment for loan had posted but credit card payments had not. So I paid card payments again which resulted in an over-payment of {$4900.00}. I immediately started to try to get my money back. I have documentation where I requested the account be closed and my money refunded on XX/XX/XXXX I requested the money be refunded onXX/XX/XXXX via chat. I still havent received my money matter of fact they claim check was mailed but returned. I have been approved for a mortgage and need the money for closing costs so I am in a bit of a crunch and exceptionally irate. I had to pay them 15 to 25 % to use their money and they have kept mine a month and I have even paid to have it sent express 9 days ago.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint # 1 : Per both my wife and my letter datedXX/XX/XXXX attached I wrote to give how I observed that TransUnion and XXXX bureau when posting those things that cause score to go down are posted without delay ( i.e., hard inquiry posted same day or within days ).

Complaint # 2 : Parity is needed between posting good credit vs. negative ; per our letter attached I pointed out to bureau that I had one late payment during XX/XX/XXXX on my XXXX account and my score was drastically drop by 100+ points in a matter of 30 days or less but subsequently upon bringing it current now both XXXX and XXXX has not resulted in any corresponding score increase upward. And upon reducing my utilization debt percentage I only saw a 30 point increase in score as oppose to 100 points to return my score back in the 700 range where it originally was at before any of the negative issues ( i.e., late payment or high utilization ) surfaced. Again the attached letter provides all of the specific details not listed here. 

Complaint # 3 : Often times get a system error message when trying to file dispute on either bureau ...

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 2018-02-27 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: Credit Bureau Services Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Credit Bureau Services was contacted in regards to notice received in mail. Notice received in mail was in regards to collection in amount of {$360.00}. Upon contacting Credit Bureau Services, a collection agency representative notified me of the attempt to collect a debt on behalf of a company. I asked if the account was already reported to the credit bureaus. I was told no. I asked if I paid in full would the account be reported to the credit bureaus. I was told no. I provided payment information for the aforementioned amount in full. The full amount was debited from my account 3 days afterwards. 
XX/XX/XXXX Credit Bureau Services was contacted in regards to collection account showing on XXXX  credit report despite having paid in full and being told they would not report if payment was paid in full. Representatives of Credit Bureau Services retracted their original statement that they would not report on my credit after paying in full. Instead, Credit Bureau Services then told me that they report regardless, even if the amount is paid in full. I was told they went back to listen to the call made between myself and the representative. I was told I did ask whether or not it would be reported. I was told the representative explained to me that it would be reported anyway. Despite contesting this claim, I asked if I could hear the recording and was denied. I was told Credit Bureau Services reports in the middle of the month and that they specifically reported to the credit bureaus on XX/XX/XXXX. I asked again, if I paid in full prior to the reporting date, why did they go forward with reporting. I was told it is their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I took out a payday loan in the amount of {$1000.00} with an interest rate of 645 %. Total amount of payments was {$3400.00}. 

On XX/XX/XXXX I took another loan in the {$1500.00} with an interest rate of 590 %. Total payments were {$4400.00}. 

On XX/XX/XXXX a payment was taken from my account a day earlier than I expected. As it was not my payday from work, the money was not in my account and an overdraft was caused. I was told I should check my payment schedule. 

As a few resident to the state of CT, I did not know that payday loans were illegal in the state of CT and lawmakers have been going after such practices due to their high fees.

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