vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CIT Bank is denying access to my new online savings account. CIT Bank is heavily advertising its online savings accounts, especially on the internet. It is offering incentives for new accounts ( {$100.00}, if {$15000.00} or more deposited for three months ). I opened an online savings account on Saturday, XX/XX/XXXX and deposited {$100.00}. I received an e-mail on XX/XX/XXXX stating, " Your new CIT Bank account has been approved and is now activated. '' That same e-mail said, " To view your account online, click here. When prompted for your Online Banking ID and password, please use the same information that you created during the application process. '' However, when I click on the link, I end up in the endless of error messages, " Either your Username and/or Password do n't match our records or your account is locked. 

I sent an e-mail to CIT Bank that said, " I am trying to verify my account with the micro deposits placed in another bank account. Your computer system will not let me access my CIT account. '' I am dissatisfied with CIT Bank 's reply, " Thank you for contacting CIT Bank. For assistance with Online Banking information please call our Customer Contact Center at ( XXXX ) XXXX Mon-Fri XXXX ET, Sat XXXX ET and Sunday XXXX ET. We are here to help! Please let us know if we can be of further assistance. Thank you for choosing CIT Bank. '' I do not have time to phone CIT Bank during workdays. I am not home by XXXX XXXX. PT ( XXXX XXXX. ET ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
This complain is against XXXX which is owned by SunTrust. I applied for an application with XXXX on XXXX XXXX, XXXX and was denied for no valid reason. I received an email stating I was denied for income and credit reasons but my XXXX XXXX is over XXXX with no derogatory items on my credit and my income is over {$220000.00} a year with less than 20 % debt to income ratio. Therefore, its impossible for me to be denied based off credit and income but when I called in to XXXX to try to get a clear explanatino for the denial no explanation was given to me. I was told I would receive a call back from a XXXX but no XXXX ever called me back. When I called again to let them know a XXXX never called me back they still refused to transfer me over to a XXXX. I just want a clear reason for why I was denied and I know I will never receive a reason a valid and just reason because XXXX wrongfully denied my loan and every time I try to get someone to look at my file they just brush me a side. I work in the lending industry myself so I 'm very familiar with lending guild lines and principles. I am hoping CFPB can get their attention the way I am unable to and demand a reasonable answer. Thank you for your time.

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 2017-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These three charges are errors. They do not belong to me. XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Closed : 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 non-monetary relief
Consumer complaint received 2017-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These three charges are errors. They do not belong to me. XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Closed : 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
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Equifax report shows many collection that does n't belong to me. Are result of identity theft. None of those collection accounts are linked to my Social Security number. Some of them are using my name as a stolen identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On or around XX/XX/2017, I submitted documents to Experian and XXXX  showing that I demanded debt validation from XXXX XXXX XXXX XXXX. Experian and XXXX concluded the matter by stating that the collection company claimed to have verified the debt. By law, the bureau and the collection company are suppose to have in their immediate possession, a contract with signatures from original creditor and consumer along with the consumer 's state ID. When the original creditor submitted the new account to the bureaus, they were suppose to provide the contract, application and ID to the bureau so account could be validated when/if it falls into a bad debt. Most original creditors have not provided these required documents to the bureau or collection companies that they sell debts to. Therefore, it is against the law for the bureaus to have these debts on consumer 's credit reports and it is against the law for collection company 's, such as XXXX XXXX XXXX, XXXX, to try to collect on a debt that they have no legal right to collect.

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 2017-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On or around XX/XX/XXXX, I submitted documents to XXXX and Transunion showing that I demanded debt validation from XXXX XXXX XXXX XXXX. XXXX and Transunion concluded the matter by stating that the collection company claimed to have verified the debt. By law, the bureau and the collection company are suppose to have in their immediate possession, a contract with signatures from original creditor and consumer along with the consumer 's state ID. When the original creditor submitted the new account to the bureaus, they were suppose to provide the contract, application and ID to the bureau so account could be validated when/if it falls into a bad debt. Most original creditors have not provided these required documents to the bureau or collection companies that they sell debts to. Therefore, it is against the law for the bureaus to have these debts on consumer 's credit reports and it is against the law for collection company 's, such as XXXX XXXX XXXX, XXXX, to try to collect on a debt that they have no legal right to collect.

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 2017-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I have been with Coinbase for quite a while now. When XXXX was looming, Coinbase sent out an email saying they recommended their users protect their Bitcoin by putting it into their Vault. I did that on XX/XX/XXXX About a week later ( XX/XX/XXXX ) I logged back into my account and set up the transfer from my Vault back to my Bitcoin wallet. I have waited and waited and waited. I have contacted Coinbase repeatedly about this transfer. The note on my account says, " Waiting for approval. '' I have already approved the transfer so I looked into this further : There is another name on my account ( some d ... XXXX ) I NEVER put on the account. I have investigated on the internet and it seems Coinbase has had this complaint MANY times - the mysterious d ... XXXX who has to approve transfers and never does. I do n't know who this person is. I do n't have their email address to approve my own inter-account transfer and so my money is just somewhere out there inaccessible to me. I have contacted Coinbase repeatedly and they simply DO NOT RESPOND now. I have not been able to use my Bitcoin as the market made its moves. My money is being held hostage by the ( supposedly ) most reliable company to have/hold bitcoin with. I have missed out on many opportunities to turn a profit because my funds are inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: URS Holding, LLC
State: WV

Complaint narrative:
On XXXX XXXX I was pressured by XXXX XXXX XXXX into consolidating a loan that was owed through XXXX XXXX XXXX. It was report to me I needed to pay 6 thousand and some dollars. I want to know why I was not offered a payment plan? I was given two options Pay debt in one lump sum or reconsolidate or be in Federal Default. Also I would like to know why your debt that you collected does not match up with a federal website? Below is a list of questions along with supporting evidence that you collected more on a debt then what I owed. Also XXXX state I paid XXXX on this debt through email communication so how I still owe XXXX on a XXXX dollar loan I am unsure. Below you find all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: TN

Complaint narrative:
XXXX XXXX was hired less than 3mos ago for 9mos stretch.some items removed ... other inconsistently across all three major bureaus.THis is a fcra violation. 

recently I have sent all 3 demand for dispute multiple times. Certified mail, uncertified mail, email, FAX ... etc. I am lied to my face about if certified mail has been sent with the hard card and USPS mailing card in my hands. 

My files remain uncorrected. creditor contacted take sweet time in getting back to me beyond 30 day limit and then begin to make claim that debts are accurate after extorting me for over 12 mos. This said, XXXX XXXX was on retainer last year for around 9mos until I discovered they were scamming me. debt collections should have ceased, irregardless if anything was filed w the courthouse. If I must, I will hire another attorney to do it again and I will pay cash. The problem is the bureaus repeated refusal and noncompliance. They make claims yet are unsupported by evidence NOT sent to me, and supported by the FCRA itself which nobody at any bureau has bothered to read. I have skimmed the entire document in full looking for violations and found over 10 per credit bureau over the past 10  years. accounts I demanded removed ( 2007 ) repeatedly mo after mo I am sent and they are still there. accounts are " confirmed '' w no evidence as to HOW sent to me. 

I am repeatedly asked for my blood type each ( week now ) time I dispute anything w anyone and then the reply is DENIED, INCOMPLETE, YOU ARENT YOU and YOU DONT LIVE THERE..or my files are changed behind my back wo my permission.I have had unlawful freezes multiple times in the past I did not authorize. bureaus are now refusing to freeze my files. my online access has been denied and locked up " in investigations '' that take years to unlock. 

FINAL NOTICE BEFORE SUMMONS of ENTIRE COMPANIES before XXXX COUNTY JUDGE for non-compliance. I HAVE INCHES OF PAPERWORK -- I had years worth in XXXX XXXX that got stolen.I had loads more last year. Law firms such as listed online refuse my case even though I have one against the bureau and then run thier mouth at me for reasserting my valid claim.

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 2017-08-30 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: TN

Complaint narrative:
XXXX XXXX was hired less than 3mos ago for 9mos stretch.some items removed ... other inconsistently across all three major bureaus.THis is a fcra violation.

recently I have sent all 3 demand for dispute multiple times. Certified mail, uncertified mail, email, FAX ... etc. I am lied to my face about if certified mail has been sent with the hard card and USPS mailing card in my hands. 

My files remain uncorrected. creditor contacted take sweet time in getting back to me beyond 30 day limit and then begin to make claim that debts are accurate after extorting me for over 12 mos. This said, upright law was on retainer last year for around 9mos until I discovered they were scamming me. debt collections should have ceased, irregardless if anything was filed w the courthouse. If I must, I will hire another attorney to do it again and I will pay cash. The problem is the bureaus repeated refusal and noncompliance. They make claims yet are unsupported by evidence NOT sent to me, and supported by the FCRA itself which nobody at any bureau has bothered to read. I have skimmed the entire document in full looking for violations and found over 10 per credit bureau over the past 10 years. accounts I demanded removed ( 2007 ) repeatedly mo after mo I am sent and they are still there. accounts are " confirmed '' w no evidence as to HOW sent to me.

I am repeatedly asked for my blood type each ( week now ) time I dispute anything w anyone and then the reply is DENIED, INCOMPLETE, YOU ARENT YOU and YOU DONT LIVE THERE..or my files are changed behind my back wo my permission.I have had unlawful freezes multiple times in the past I did not authorize. bureaus are now refusing to freeze my files. my online access has been denied and locked up " in investigations '' that take years to unlock. 

FINAL NOTICE BEFORE SUMMONS of ENTIRE COMPANIES before XXXX COUNTY JUDGE for non-compliance. I HAVE INCHES OF PAPERWORK -- I had years worth in XXXX XXXX that got stolen.I had loads more last year. Law firms such as listed online refuse my case even though I have one against the bureau and then run thier mouth at me for reasserting my valid claim.

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 2017-08-30 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: LEXISNEXIS
State: TN

Complaint narrative:
XXXX XXXX was hired less than 3mos ago for 9mos stretch.some items removed ... other inconsistently across all three major bureaus.THis is a fcra violation. 

recently I have sent all 3 demand for dispute multiple times. Certified mail, uncertified mail, email, FAX ... etc. I am lied to my face about if certified mail has been sent with the hard card and USPS mailing card in my hands. 

My files remain uncorrected. creditor contacted take sweet time in getting back to me beyond 30 day limit and then begin to make claim that debts are accurate after extorting me for over 12 mos. This said, XXXX XXXX was on retainer last year for around 9mos until I discovered they were scamming me. debt collections should have ceased, irregardless if anything was filed w the courthouse. If I must, I will hire another attorney to do it again and I will pay cash. The problem is the bureaus repeated refusal and noncompliance. They make claims yet are unsupported by evidence NOT sent to me, and supported by the FCRA itself which nobody at any bureau has bothered to read. I have skimmed the entire document in full looking for violations and found over 10 per credit bureau over the past 10 years. accounts I demanded removed ( XX/XX/XXXX )  repeatedly mo after mo I am sent and they are still there. accounts are " confirmed '' w no evidence as to HOW sent to me.
I am repeatedly asked for my blood type each ( week now ) time I dispute anything w anyone and then the reply is DENIED, INCOMPLETE, YOU ARENT YOU and YOU DONT LIVE THERE..or my files are changed behind my back wo my permission.I have had unlawful freezes multiple times in the past I did not authorize. bureaus are now refusing to freeze my files. my online access has been denied and locked up " in investigations '' that take years to unlock. 

FINAL NOTICE BEFORE SUMMONS of ENTIRE COMPANIES before XXXX COUNTY JUDGE for non-compliance. I HAVE INCHES OF PAPERWORK -- I had years worth in XXXX XXXX that got stolen.I had loads more last year. Law firms such as listed online refuse my case even though I have one against the bureau and then run thier mouth at me for reasserting my valid claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I filed a complaint against Wells Fargo Bank 2-weeks ago -- -ID # XXXX and recieved a rubber-stamped form reply asking if their could be of service. The same day I recieved an email informing me that the matter was closed and the problem solved. That was not the case! I have not recieved any satisfaction or any representation that would solve or compensate my original complaint. please look into their account posting practices and charges for too many checks written on a money market account. Thank you, XXXX XXXX SS # XXXX CELL 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 monetary relief
Consumer complaint received 2017-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
This will be my 2nd attempt to solve this issue through CFPB. Please note that Synchrony bank state that i canceled my credit protection VIA telephone in XX/XX/XXXX. THIS IS NOT accurate. At NO time have i have i ever requested for Credit Protection to be cancelled on any of my accounts. Furthermore the covered event started in XX/XX/XXXX when my account was fully covered. I owned a XXXX XXXX  and was XXXX XXXX my taxi was involved in a non at fault accident. The at fault drivers insurance company has yet to settle the case as of XX/XX/XXXX. I lost my taxi and taxi medallion due to having no vehicle to present to the city for inspection. I lost my business in full in XX/XX/XXXX. I was forced to take a Job for {$8.00} a hour part time at XXXX XXXX XXXX in XX/XX/XXXX. This job ended in XX/XX/XXXX with Unemployment and a pending Lawsuit. All is documented and proven on paper to Synchrony bank multiple times. From the time of my wreck in XX/XX/XXXX this account should have been covered, as the job i took was for less weekly than i made prior per night when i owned my taxi however it was the only job available to me in a horrible local job market. Once again also at NO TIME did i request that the Credit Protection on this account be cancelled.

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 2017-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I closed on the house onXX/XX/XXXX. My mortgage bank is responsible for my township taxes and it is paid out of the escrow. There was a shortfall for the property taxes they paid for XXXX on XX/XX/XXXX payment. I contacted the bank in XXXX regarding this matter they assured to me that they received the notice and they will pay it by XX/XX/XXXX. Yesterday I received a delinquent notice from the township as the mortgage bank has not paid the property taxes fully and now with the interest and penalty the amount is over 176.00 dollars. I contacted the bank yesterday but they were not cooperating. They said they have to research why it was not paid. I am a new home owner and i do n't want to have a bad relationship with the township. I pay my bills on time to me this type of nonpayment is unacceptable. I am afraid that the bank might not pay future property taxes on time.

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