vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-16 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: MO

Complaint narrative:
This is a formal complaint against them. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2018-01-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Hello I sent off 5 dispute letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them to send me verification of the late payments on 2 accounts that I question or remove them. 1 of the accounts was closed and transferred as paid with {$0.00} balance had late payments of XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX and the other one was in good standing which I 'm currently paying on had a late pyment of XX/XX/XXXX. In return I only was told that the accounts was mine and has been updated. While only disputing these 2 accounts, the account that I had that was in good standing was removed from my credit report when I only disputed the 1 late payment and there were now additional accounts that was closed and transferred with {$0.00} balance as paid payment status has now been changed to payment status unknown only with the 2 accounts in question.

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 2018-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
I received a delinquency notice FOR THE THIRD TIME IN THE MATTER OF ONE MONTH on a student loan account THAT DOES NOT EXIST WITH XXXX XXXX. This is HARASSMENT. They are providing inaccurate information. i have called them to STOP HARASSING ME AND THEY HAVE NOT HONORED MY COMPLAINT. I AM ON AUTO-PAY FOR EVERY SINGLE ONE OF MY STUDENT LOANS AND AM NOT DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Just recieved an attached letter from chase, I do not know what does this means..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated a wire transfer of the amount of {$2000.00} from my bank ( XXXX XXXX XXXX ) to the following recipient : Coinbase, Inc XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Routing/ABA Number : XXXX Account Number : XXXX Recipient Instructions/Message : XXXX ' On XX/XX/XXXX, the wire transfer of the amount of {$2000.00} was reversed which is reflected in my bank statement. 

On XX/XX/XXXX, {$2000.00} was sent from my bank account to Coinbase however this amount was not transferred to my Coinbase or GDAX account and the balance does not reflect the transfer was completed successfully. 

I 've sent 2 emails to the Coinbase/GDAX support team on XX/XX/XXXX and XX/XX/XXXX and have not received a response from them. 

I would like to cancel my wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC
State: IL

Complaint narrative:
A message was left on my answering machine from " XXXX XXXX '' ( XXXX ). The message said they are a debt collection agency, and to call them. Why is it my responsibility to call a company that has inaccurate and sloppy information? How many times has the company contacted me, and in what manner? 

I owe no debts. I have not received correspondence stating that a debt is owed. 

I would like an explanation from the company explaining why they are harassing me. Additionally, who owes the debt they are calling about, what is the amount, and when was it incurred. 

Where did the company obtain my private telephone number that I have had for over twenty years.

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 2018-01-16 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: MD

Complaint narrative:
I have unauthorized/fraudulent inquiries on my Equifax report and even though I 've sent letters to each of these Companies and Equifax but I get no response, and it has been 3 months. I have attached a list inquiries which should not be on my Equifax Credit Report. 

XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on Monday XX/XX/XXXX i call the wells Fargo reward center about my rewards the customer service why i did n't get my XXXX dollars reward because i already spend XXXX dollars in first three months they check for me saying that the promotion rewards is i need to spend XXXX dollars in first three months i said no then they transfer me to talk to their supervisor the answer is the same i tell them when i apply online they said is i need to spend XXXX XXXX in first three months why now it change to XXXX dollars they said nothing they can do they are cheating me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: TX

Complaint narrative:
bureaus all 3 will not correct inquiries online and want remove the false info

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My wife and I have a timeshare with XXXX XXXX XXXX. In XX/XX/XXXX, my wife filed chapter XXXX bankruptcy which included the XXXX XXXX XXXX timeshare. We received a letter from XXXX XXXX XXXX timeshare that addressed both of our names. The letter from XXXX XXXX XXXX alerted us to stop payment on our timeshare due to the filing of bankruptcy in XX/XX/XXXX ( the month and year that the letter was sent out from XXXX XXXX XXXX ). XXXX XXXX XXXX are continually reporting late payments to my credit report, after they had informed us to stop payment and they are obtaining a payment from my wife 's Chapter XXXX bankruptcy. We have called several times to get this resolved but the late payments are still affecting my credit report. They are requesting a double payment from us even though my wife is making payment through my bankruptcy and even after XXXX XXXX XXXX sent a letter informing us to STOP making payments, due to Chapter XXXX filings. We misplaced the letter and requested that they send another one ; however, they have failed to do so. 

Is it legal for XXXX XXXX XXXX timeshare to request double payment after a spouse have filed Chapter XXXX and included it on their bankruptcy AND also inform us to STOP all payments on our timeshare, while continuing to report it late on my credit report? 

Please advise on how we will need to proceed. 

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 2018-01-16 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: Conn's, Inc.
State: TX

Complaint narrative:
Altough I already have a existing account with the company that doesnt pretain to the siruation at hand. On XX/XX/2017 a non-requested, unapproved, identity theft hard inquiry or opened account was made by and through : CONN CREDIT CORP XXXX. XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: TX

Complaint narrative:
bureaus all 3 will not correct inquiries online and want remove the false info

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 2018-01-16 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: TX

Complaint narrative:
bureaus all 3 will not correct inquiries online and want remove the false info

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 2018-01-16 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: TN

Complaint narrative:
On XX/XX/XXXX, I pulled a copy of my XXXX credit report. Accordingly, there are two Capital One Revolving credit accounts listed. However, under each tradeline, Capital One reported my accounts as " 30-day ( s ) late '' from XX/XX/XXXX until XX/XX/XXXX. However, I 've been in an active Chapter XXXX bankruptcy since XX/XX/XXXX. Accordingly, I can not have been late on the Capital One unsecured debt ( s ) since they were included in Chapter XXXX automatic stay from XX/XX/XXXX until XX/XX/XXXX. Also, Capital One is violating the FCRA Direct Dispute provisions and violating the Dodd-Frank Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
XXXX XXXX received payment of {$290.00} from the federal government onXX/XX/XXXX,  from a deposit made onXX/XX/XXXX. XXXX XXXX then held the funds untilXX/XX/XXXX before releasing to customer. Banks are required to pay interest on monies received and held before release so banks are discourage from floating funds received they are unreasonably holding from customers. It is the responsibility of banks to know when funds clear, and then to release those funds or compensate customers fairly for holding funds for profit. 

I would like to be compensated fairly for XXXX XXXX negating their banking responsibilities ; responsibilities they not only have to me but have to their other customers as well, and when given class action status would be a substantial amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Reporting a charge off account. Never received any documentation stating I owed the amount and never gave me the opportunity to pay the account. Also, when sold the auto was told I had gap insurance and found out I was lied to later. Reporting charge off and wont provide documentation. Requested numerous times for original documentation confirming it was even my account. Called and left a message to discuss never got a returned call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16 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: ECMC GROUP, INC.
State: NJ

Complaint narrative:
Over the years I have been financially unable to repay this loan. My income tax refunds have been taken from me twice in the amounts totaling between 12 and 13K all together. Once in for the XX/XX/XXXX tax yr and once for the XX/XX/XXXX tax year. The moneys that was withheld was not applied to my student loans according to my credit reports, even though I was told by the IRS this was the reason I never received my refunds. My question is where is the money that was taken from me supposedly for this loan. Why is the loan on my credit reports multiple times totaling the same amount as day one as if they have received nothing. I can not get any loans, credit cards, or apply for a mortgage because this continues to hang over my head. It has literally been years and I am asking for help removing these inaccurate numbers from all my credit reports immediately. The credit reporting agencies have not verified any of this info to be true by sending me the original loan records minus the tax refund dollars. There for under the law they must remove the false information.

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 2018-01-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received an offer for a {$200000.00} HELOC from Bank of America through XXXX XXXX : Terms of Offer ( received XX/XX/XXXX ) _______________________ Congratulations You chose to work with XXXX XXXX XXXXcertified successrate Bank Of America ( XXXX ) XXXX XXXX Download VCard. 


Equity {$0.00} Term 30 Rate 4.08 % Fees {$0.00} Rate Type Adjustable Amortization Yes Notes There are zero fees, zero closing costs ( APR is same as note rate ), zero maintenance fees, and zero pre payment penalties. 
_______________________ On XX/XX/XXXX, I spoke with XXXX XXXX - he confirmed all of the above terms, and made no mention of any draw requirements.. Based on my reliance on the offer and his confirmation, I authorized a credit check and gave my SSN. 

My next contact was with XXXX (? ) XXXX on XX/XX/XXXX, the loan processor at XXXX XXXX She stated different terms for the loan - contingent prepayment penalties if the line was closed within 36 months and a requirement for a {$100000.00} draw at closing. My FICO is over 800 so the credit check could not have been the cause of a change in credit terms. 

Based on these completely different terms and the fact that they appeared to have performed a " bait and switch '' to get me to authorize a credit check. I stated that I would not proceed with the loan process, and I wanted to file a complaint. No one has followed up to address my concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had this auto loan since XXXX XXXX 2014. Every payment was made on time and I was never late on this account. On XX/XX/XXXX of last year, the car got totaled. My insurance company held the car. I made my XX/XX/XXXX and XX/XX/XXXX payments to remain current on my payments. However, the insurance company was going to be paying off the loan in XX/XX/XXXX of last year and I was told they would be paying off the balance of the loan and not to make a payment. 

The car was paid off but the car payment was made 18 days after the XX/XX/XXXX due date of XX/XX/XXXX. Wells Fargo put a 30 late payment on my credit report causing my credit score to drop 100 points. I called them and they admitted that the account was not 30 days late but only 18 days late as the final payoff amount was sent on XX/XX/XXXX of last year.

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 2018-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This is a formal complaint against them. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2018-01-16 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: MO

Complaint narrative:
This is a formal complaint against them. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16 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: MD

Complaint narrative:
I sent a letter to Transunion and the creditor companies who reported to them about fraudulent inquiries on my credit report. It has been 3 months with no response. I have attached the list of fraudulent/unauthorized credit inquiries on my account : Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/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