vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I feel this issue is a negative impact on my account the bankruptcy was never filed in court it never went through any legal actions i feel the company does not want to help me by removing this issue off my account it is interfering with me getting things for me and my son and i just wish for them to remove it off my account if you look into the issue you can see that it never proceeded with anything

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 2018-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Citizens Bank accepted my deposit of {$150000.00} on XX/XX/XXXX. They claim they can not " verify '' the amount with XXXX XXXX XXXX. I asked them what they mean by " verify '' but they could not. I confimed with the title agency who has the XXXX relationship with XXXX XXXX and they they had over $ 5Million in funds available at XXXX. The name of the title agency was " XXXX XXXX XXXX '' of XXXX XXXX NJ.. They refuse to clear the check until XX/XX/XXXX. 

Citizens is clearly delaying the clearing of these funds to make money on the float. I suspect I 'm not the only customer getting screwed. 

Please call me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion and spoke with US representative, XXXX, to resolve unauthorized inquiries showing on my credit report. I 've recently checked my credit report and noticed many inquiries that were removed during a breach in XX/XX/XXXX and XX/XX/XXXX reinserted. I DID NOT receive a written 5 day notice informing me about the breach or TransUnion reinserting the inquiries. This is a violation of the FCRA. TransUnion can not continue to violate my rights.

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 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My Equifax report name is incorrect. My correct name is listed under " Other Names Used ''. I downloaded a report on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
This account was opened in XXXX XXXX, 2017. I dont have XXXX XXXX XXXX ... .I had XXXX. This was opened by someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25 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: U.S. BANCORP
State: TN

Complaint narrative:
US Bank advertises that consumers using their credit card will not be charged for fraudulent charges or accounts. They back this promise up with a guarantee. I was a victim of identity theft and had multiple fraudulent charges on one account and a fraudulent account opened in my name. I tried to work with the US Bank Fraud Operations Department by providing them with an indentirty theft report from the Federal Trade Commission and also a police report. Despite this, the denied the fraud claim and held me liable for thousands of dollars in fraud.

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 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My new employer information is not on my credit file it only has my previous employer 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 non-monetary relief
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My new employer information is not on my credit file it only has my previous employer 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 2018-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX XXXX and asked them if they could set up an impound account for the property taxes only. I asked them to pay the delinquent taxes before the default date of XX/XX/XXXX. They sent me a proposed contract which I did not sign because it increased my monthly payment by {$1700.00}. I called XXXX XXXX County Treasurer and Tax Collector ( XXXX ) on XX/XX/XXXX and they said the 2nd installment had not been paid. I sent a check that day. I called Nationstar and told them I had not signed the impound account proposal and had paid the taxes myself. She told me that if I did not sign, then there would be no impound account. 

Apparently Nationstar did send a payment to XXXX, and it arrived before my payment. I sent a check for {$3800.00} to Nationstar on XX/XX/XXXX noting that it was for reimbursement of it 's payment to XXXX. After some delay they finally applied it as a repayment. 

The problem is they are saying that the DOT alows them to impose unilaterally, an impound account. They are mistaken. The federal law in the cited in the DOT is superseded by CA state law. That law requires 2 consecutive tax payment to be delinquent. This did not happen. 

I engaged an attorney to advise me on the law. I do not want to sue for damages, but XXXX XXXX XXXX d/b/a Mr. Cooper will not respond by phone or letter. They do continue to threaten me with foreclosure and even sent a XXXX XXXX property inspector to our door. He had been told by Mr. Cooper that the property was unoccupied. I do n't even have a XXXX XXXX loan!! 

This brings up the question of, why are they are trying to force me into an impound account. My attorney thinks it may be part of a larger plan to force other mortgages they are servicing into impound accounts. This makes sense since they are trying to collect way more funds than is necessary to pay the taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I initiated a US wire withdrawal from Coinbase for {$1300.00} on the XX/XX/XXXX. It was supposed to deliver on XXXX XXXX but it still has not after 46 XXXX DAYS.  Other customers have recently requested withdrawals and received their funds within hours or a few days. I made a complaint through CFPB 2 weeks ago and the response form Coinbase was that my case was being escalated and a specialist would reach out. I RECEIVED THIS RESPONSE 2 MONTHS AGO AND IS IDENTICAL TO EVERY SUBSEQUENT RESPONSE YOU GAVE ME OVER THE LAST 2 MONTHS. Just look at any of the cases Coinbase opened ( which i asked you to stop opening ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: ERC
State: CA

Complaint narrative:
I received an alert XXXX/XXXX/18 about a change in my credit report, a collection account had been added/opened. I had no idea what or why this came completely out of the blue. I called XXXX XXXX XXXX XXXX ( Listed as the creditor on the report ) on XXXX. Got the run around, requested proof of what they are claiming. Original creditor listed as XXXXXXXX XXXX I have had XXXX XXXX the past 6 years and am not aware of owing anything. Enhanced was unhelpful and rude when I called, this is clearly a scam to extort money holding your credit score XXXX. I have sent a letter to them demanding proof and requesting this be removed immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I 've spent 3-4 hours trying to get XXXX  to provide my XXXX and XXXX credit reports so that I can negotiate a mortgage with a lender on a home deal that will expire soon. I received the XXXX report online just a few minutes prior to requesting my XXXX and XXXX, so why suddenly have I lost access to those reports? VERY FRUSTRATING! 

Unfortunately, they refuse to provide it to me online, requiring me to order by phone. So, instead of getting my credit report immediately, like everyone else, so that I can have a chat with a lender next week they 're now telling me that it may take up to 15 days just to process my report before they will even send it. The house I 'm interested in wo n't wait that long. 

I simply want to register how unfair it is that these credit reporting companies can hold our credit hostage despite no fault on the part of us consumers. Fact is, they have my information within easy access, but simply refuse to send it. Why on earth does it take 15 days just to process it? I can understand 24, or even 48 hours, but 2 weeks? And it 's 2018, for crying out loud, why am I having to receive it by mail?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
The organization kept on coy tellme that I need to pay them at a certain time when I finance could not this was 4+ years ago

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 2018-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I received a misleading email making it seem like my account was overdue and they offered special programs including taking my tax refund to cover a payment/partial payment. In the email it includes this line underlined and in italics " If you 're getting a tax refund, put those funds to good use - bring your account current to stop the late fees and collection calls. '' My payment is due XX/XX/XXXX. I received this predatory and misleading email today, XX/XX/XXXX. My account is not overdue, but the red highlighted " alerts '' and request for my tax refund were still sent to me? Not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Because a late payment of one day after have been notified Capital One increased the Interest Rate from 21.90 % APR to 30.65 % APR. 


I talked with them and explained that because the due date was a weekend I forgot to make the payment and I realize of this after they sent me an email telling me that the payment was delayed. They waived the Late Payment Fee of {$39.00} but did n't change the Interest Rate. 


I told them that it was not fair and I will cancel the Credit Card in 24 Installments but they want to continue charging me the 30.65 % APR. 

I wonder what penalty they paid 8 years ago when the Government have to do a Bailout of the main Banks and give them billions of dollars? 

I want to cancel the Credit Card and pay the balance in 24 installments with a reasonable and fair Interest Rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OH

Complaint narrative:
On XXXX/XXXX/2014, I see that a debt of {$210.00} was added to my credit report for a XXXX XXXX bill that was not paid. I have never had XXXX XXXX before and have contacted the company to let them know and they insist its my bill. I have only ever had XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX appear on my credit report XXXX/XXXX/18, I was never given the oppurtunity to resolve the debt with them before it was added on to my report and they are also not licensed to collect debt here in Arkansas where i currently live.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25 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: JH Portfolio Debt Equities, LLC
State: PA

Complaint narrative:
I submitted a complaint against JH Portfolio, they responded without requested documentation like a contract with my signature showing the exact amount borrowed. JH Portfolio responded with a copy of a purchase and payment history that could belong to any one, the amount on the presented documentation is very inaccurate, i never borrowed such amount. i request full verification of the debt, chain of purchase and history dating back to original creditor including a contract with my signature between myself and JH portfolio.

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 2018-01-25 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: UT

Complaint narrative:
Both my husband and I  are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the Equifax report dated XX/XX/XXXX. I disputed this XXXX XXXX that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, Equifax backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else's bad car loan.

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same.

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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:
I received an email from XXXX XXXX indicating that a hard inquiry had hit my credit report ( Equifax ). It showed as a hard inquiry from XXXX on XX/XX/2018. I do not have XXXX nor did I apply to receive any of their services. I have called Equifax and they said I would need to call XXXX to have them contact Equifax to have the inquiry removed. I called XXXX and they said I would need to call Equifax. I have been bounced around by everyone. My credit score is over 800 and I do not want a fraudulent hard inquiry be reflected on y credit. You help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
New information based on CFPB XXXX. We sent a debt validation letter to Wells Fargo on this property, acct no ending in XXXX. This is the information they sent back which is included. Debt was not validated and they are still collecting the debt.

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 2018-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
My issue is with transwold system inc, they pulled my credit, and made repeated telephone calls to my current and previous cell phone numbers. I dispute the debt and I 've asked for them to validate the alleged debt with documents show their company name. And that has n't been done. They have n't produced documentations to show where I 've gave them direct permission to be calling my phones either home or cell. Plus, there are several inquiry on my credit report. And the debt is dated in late 1980 's. I did n't remember signing any loan for school.. Plus, I did n't even had a cell phone in the 80 's. So my question to them, is how and where did they get my current and previous numbers to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XXXX XXXX, 2017 I contacted Chase Auto Finance in regards to my auto loan. I was off work due to an injury and having XXXX in a few days. I asked them if I could have an extension on my monthly payment as my account was in good standing. I would have understood if I was told no- but I was told if I paid a partial payment { which I did pay onXX/XX/XXXX }, that I might could qualify for a deferrment. The woman on the phone told me to pay that and i would get a letter in the mail very soon with their decision. I was essentially planning in advance for not having income and trying to protect my credit score. I was told I did n't have to pay and that I would most likely be approved since I paid the partial payment and it would not negatively affect my credit score. I kept waiting for the letter. I then received a bill that my account was past due. I called them and they acted as such that there was no record of the request for extension. I paid both my XX/XX/XXXXand XX/XX/XXXXcar payment at this point and it was the first of XX/XX/XXXX. I asked if it would affect my credit since I was told it would not. I then got a credit alert that my credit score had dropped 161 points overnight. I then called my lender again and told them that was n't fair as I paid the partial and was told i would be approved for a deferment. I was finally given a supervisor who told me there was a recorded conversation between me and the representative I spoke with on XX/XX/XXXX. She said she would have that dept listen to the call and if it said those things, they would remove the late payment. I was very confident this would be removed as I knew what had taken place. The next day I was called and was told that the recorded conversation did not go that way and they would not remove it. I asked for transcripts or a copy of that conversation as I knew someone was lying. I was told no that I would have to get an attorney and have them subpoenaed. It is very frustrating because I do have a good standing with them. I was trying to plan ahead with my payments so I could defer some accounts while I was making no income. I would have found a way to pay this in full Before I was thirty days late if I was not told I could have a deferment and to wait for a letter that I never received. I paid a partial payment on XX/XX/XXXX, so I was not technically 30 days behind. At the first of XX/XX/XXXX I did catch up the account and paid two full payments. I feel as though them reporting this as thirty days late is extremely unfair as their representative mislead me. I tried working with them to find a solution but they refused to work with me. My good credit has now decreased significantly over this. I want this removed off of my credit report. I was in the process of home buying and due to their error I have had to hold off and try to spend time and effort to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On Sunday morning XX/XX/XXXX I was notified by text that withdrawals were being made on my account. I immediately canceled debit card and Monday morning was at local branch and signed paper work for a fraud case. They have denied me saying that it passed their fraud credentials. I live more than an hour from where transaction to place and I was told that another attempt was tried Monday morning but was denied. XXXX XXXX was the time they said the attempt was and I was at work clocked in waiting on bank to open. I have maintained possession of card the whole time and even showed them the card. I dont know what else to do and they are treating me as if I stoled my own money. Please help.

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