vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: 360 MORTGAGE GROUP LLC
State: GA

Complaint narrative:
My mortgage with this company ( 360 Mortgage Group ) was paid in full on XX/XX/XXXX. To date, I have not received the escrow funds due to me. I have called on numerous occasions, only to receive the " run around. '' I was told the check was issued on XX/XX/XXXX ; my first call to them was on or about XX/XX/XXXX. At that time, I stated that it seemed a bit odd, that I still had not received the check if was issued on XX/XX/XXXX. They told me they were not responsible for the delay of the mail service. I asked if the check could be stop paid and reissued. They stated they would have to give it at least two weeks after the issue date in order to stop pay, which would have been XX/XX/XXXX. Again, I called to inquire only to be told they couldn't stop pay it until XX/XX/XXXX. So, as of today, XX/XX/XXXX, I'm still waiting to receive my escrow refund. I asked if they could over night it as a courtesy ; they stated " yes ''. However, when I called back on XX/XX/XXXX to advise that I did not receive an overnight package ; they stated, " they put it in the mail. '' Please help me in receiving my escrow refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: NY

Complaint narrative:
On XX/XX/2016, a court order was issued vacating a child support judgment, I contacted Experian Credit bureau and forwarded them a copy of the court order, they have done nothing to remove the negative information from my report, because of that my credit standing was affected with other lenders causing a financial meltdown, the information is still listed on my credit report, please be advice that when a court vacates a judgment, it is as if the judgment never existed, therefore all information related to this matter must be completely removed from my credit report, a vacated judgment should never remain on anyone report, I believe my rights has been violated.

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 2018-04-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I placed an order with XXXX online witch i then bought furniture I did not receive the livingroom set sofa loveseat and chair. I bought a dining room table set with 10 chairs that i sent back due to damages but I was never giving a refund for any of these items. 

I also placed an order with XXXX and I canceled my trip but I was not refunded I called XXXX I also called XXXX XXXX both places told me there was nothing I could do. I called XXXX XXXX   with all of my information but they did nothing as well to help me. 

Charges for : XXXX {$2000.00} Charges for : XXXX {$1000.00} I also have inquiries on my report that affect my credit score and I have no knowledge of these 6 hard inquiries that hurt my credit report. I did not authorize theses inquiries and Im requesting that it gets removed from my credit report. I am a victim of identity theft I also made a police report witch I will have for future reference.

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 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contesting a collection account that is recorded on my XXXX  and Transuion credit reports. I have, in the past, protested this account through XXXX and Transunion, with unsatisfactory results. 

The collection account is for XXXX XXXX in the amount of {$700.00}, and has been on my record for more than six years. 

The original debtor, XXXX XXXX XXXX, was at no point in time opened or used by me. Claims otherwise constitute fraud by the creditor or a third party. Therefore, this collection account should be removed from my credit report record.

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 2018-04-09 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: MO

Complaint narrative:
Back in XX/XX/XXXX I did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports on XX/XX/XXXX but not all 3 credit bureaus have added the above creditor back on my credit report in 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 2018-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I initiated a transfer of USD {$5000.00} on XX/XX/2017 from my Coinbase account to my XXXX XXXX account. The funds were never transferred. I have had at least 4 phone call conversations with Coinbase 's customer service and my issue has not been resolved after 3 & 1/2 months. I have had no progress of getting my money back or showing that Coinbase is even interested in ever giving my money back. No actions have been taken by Coinbase to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Today, XX/XX/XXXX, I noticed a charge of {$24.00} on my bank account taken out on XX/XX/XXXX. The merchant description was Experian* Credit Report ( XXXX  ) XXXX CA. I called Experian to file a compliant and they claim my account is free and never charged my account. I disputed this transaction with the bank and they said I had to call Experian. The money was clearly deducted from my account and someone has the funds.

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 2018-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I OPENED MY ACCOUNT ON A MONTH AGO, THEY CLOSED IT ON THE XX/XX/XXXX, TRIED TO NEGOTIATE WITH THEM ON SEVERAL OCCASIONS WITH NO ACTION TAKEN ON THEIR END.! I AM LOOKING TO HAVE MY ACCOUNT REOPENED BECAUSE IT WAS CLOSED WITHOUT WARNING AND WITHOUT CAUSE AND IS NEGATIVELY EFFECTING MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was at Bank of America branch on XXXX XXXX XXXX in XXXX   Florida. I was trying to find out how long you was going to hold a check from a life insurance policy on my wife dad. I talked to XXXX the bank manager and he took me to a teller who before she even checked or found out if I wanted to deposit the check stamped it right off for deposit only to my account. And then when she checked I could only get {$200.00} right off and the other {$2300.00} would be on hold till Weds. I said that is not acceptable need the money right now. the check was on XXXX XXXX and we called the XXXX XXXX in XXXX  to be told can not cash the check since it was stamped and no check cashing place would either since it was stamped. So I go back to the Bank Of America branch on the same day XX/XX/2018 to be rudely told by XXXX  the bank manger because I was upset as your teller XXXX   me over big time stamping it right off. to be told by XXXX the bank manager when I took my hand and said your teller stamped it without my permission messing me over big time to take my check and leave his bank is this the way customers are supposed to be treated? You have lost a long time customer of your bank due to their unprofessional attitudes toward the customer and this is a customer who is fixing to at any time come into a very large amount of money and as soon as I can get my social security checks and my sons transferred into another bank that I will open up an account with am done as been treated so badly several times by your bank am done as that is no way to treat someone not even wanting to fix their own mess up or help the customer am very upset.

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 2018-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2018, I called to inquiry why I was paid {$2.00} on a {$6000.00} balance on an online savings account knowing when I opened the account, I was told that I was going earn 1.45 % APY and they kept evading my question. After 6 phone calls I told them that I would like to close the account for their malpractice and bait and switch antics. My account has been temporarily locked and I have no access to my funds. This is disconcerting and I feel discriminated against for my ethnicity being XXXX, had I been white, they wouldnt have XXXX  me around. They have falsely promoted an APY that is clearly inconsistent.

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 2018-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
My ex opened several credit cards and bank accounts in my name without my permission. American express being one of them. I had filed a previous claim and XXXX  took action on a card not reflected in my complaint. They took action on a card ending in XXXX. The complaint was filed on card number found in the ftc complaint attached here and the prior complaint. My ex used many of my bank accounts that he had hacked into to pay these fraudulently opened cards. XXXX  being the primary one, which I have also filed a complaint on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
In XX/XX/2015 I had contacted XXXX XXXX XXXX in regards to XXXX medical collection. It was agreed that if the debt was paid in full it would be deleted from my credit report. I have tried contacting them with no resolution. The original debt was for {$120.00} and is paid in full and listed as closed on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Over the past several months I have been receiving calls stating " This is Transworld Systems Inc., a debt collection agency, calling about a debt, any information provided can be used against you ... .... '' The calls never identify my by name or specify what the debt is. My credit score is over 800 and I have no outstanding debt that I am aware of. The calls all display the local ( XXXX  ) area code and when I block the number on my phone, I get another call in a couple days from a different number. I have over 15 blocked numbers for them stored in my phone at this time. The messages all say to " contact XXXX XXXX @ XXXX and refer to claim # XXXX. '' I am not about to answer or call a number which may be a phishing scam, since they have provided specific information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
Today, XX/XX/XXXX, I noticed a charge of {$24.00} on my bank account taken out on XX/XX/XXXX. The merchant description was XXXX* Credit Report ( XXXX ) XXXX CA. I called XXXX  to file a compliant and they claim my account is free and never charged my account. I disputed this transaction with the bank and they said I had to call XXXX. The money was clearly deducted from my account and someone has the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-09 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:
This complaint is against XXXX XXXX XXXX XXXX, I disputed this company online and I wrote to them, stating that I do not understand how I'm liable for a balance of {$270.00} and I don't even know who they are, I never signed a contract with them, the original creditor closed the account, I also informed XXXX XXXX XXXX XXXX that my name isn't spelled in ALL CAPITAL LETTERS ... XXXX XXXX XXXX, my name is XXXX XXXX XXXX, the same name on my drivers license, however they wrote me back and basically stated their investigation concluded their actions were correct, it's not correct, they're using my name fraudulently to say I'm responsible for a debt that I don't owe them.

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 2018-04-09 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:
This complaint is against XXXX XXXX XXXX XXXX, I disputed this company online and I wrote to them, stating that I do not understand how I'm liable for a balance of {$270.00} and I don't even know who they are, I never signed a contract with them, the original creditor closed the account, I also informed XXXX XXXX XXXX XXXX that my name isn't spelled in ALL CAPITAL LETTERS ... XXXX XXXX XXXX, my name is XXXX XXXX XXXX, the same name on my drivers license, however they wrote me back and basically stated their investigation concluded their actions were correct, it's not correct, they're using my name fraudulently to say I'm responsible for a debt that I don't owe them.

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 2018-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Peak Acceptance, LLC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I called Peak Acceptance on my behalf for explanation on why my auto account was still opened from XX/XX/XXXX. They gave the total amount due of XXXX and it will remain open until its paid off in full. I have asked if they can change the Open Account to Repossession or Charge-Off, they refused.

I went further to my next step to work with XXXX  Credit Bureau.

On XX/XX/XXXX, I contacted XXXX  over the phone to explain my situation with Peak Acceptance, and they tried to do a three way call, but no one picked up on their end of the call. So, I continued to finish up the dispute on-line and did a follow-up over the phone with XXXX. On XX/XX/XXXX, I received an email that my dispute results were ready online. I finally was able to contact XXXX by phone to get the results and asked why Peak Acceptance refused to change my credit report on my open account? Again, the Representative with XXXX made their effort to dispute on my behalf and they were also given the same information that my account will remain open until its paid in full. This gave me the opportunity to consult CFPB to hear my end of the story where I ; m trying to work things out on my own. At this point, I have to go further than I expected.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NC

Complaint narrative:
In the year of XX/XX/XXXX I, XXXX XXXX XXXX gave permission XXXX XXXX XXXX XXXX by phone with XXXX XXXX XXXX to apply my name as a co-signer to his purchase of a XXXX XXXX XXXX  for {$6000.00}. I did not receive any paperwork regarding his purchase. Without my knowledge in the year of XXXX XXXX XXXX XXXX   aloud XXXX XXXX XXXX to trade the car in for a XXXX XXXX XXXX  without my consent. The XXXX XXXX XXXX XXXX   did not reach out to me by phone, letter, or email to inform me that this change was being made and or get my consent to apply my name to the purchase of {$32000.00}. When I found out about this new loan it was three months after the loan was finalized, it was brought to my knowledge when I received the late notice of his payment. After discovering this new loan, I contacted XXXX XXXX XXXX XXXX  and asked them why they would place my name on a new loan without my consent or signature. The XXXX XXXX XXXX XXXX representative confirmed that this was not supposed to take place but also informed me that they would not be taking my name off of the loan. XXXX XXXX XXXX XXXX  stated it would be my responsibility to get him to refinance the loan in his name only. Then in the year XX/XX/XXXX, the XXXX XXXX XXXX XXXX  aloud XXXX XXXX XXXX  to traded the XXXX XXXX XXXX in for a XXXX XXXX XXXX XXXX. Once again my name was applied to this vehicle loan without my consent. I notified XXXX XXXX XXXX XXXX and closed out all my accounts dealing with them. For the last year, XXXX XXXX XXXX XXXX has refused to give me any information about the account or why they are still trying to collect {$27000.00} from me after the XXXX XXXX XXXX XXXX   was wrecked and most of the loan was paid off. They have turned this account ending in XXXX over to a collection agency and no one will talk to me about it, or tell me if he received any credit for the XXXX XXXX XXXX  that was turned in due to XXXX XXXX XXXX   's lack of ability to make the payments for the vehicle, nor, for the XXXX XXXX XXXX  that was wrecked. The Insurance company was supposed to pay most of this vehicle loan off for once the XXXX XXXX XXXX  was wrecked. Could someone look into this and find out is this legal because I feel like I am being held XXXX by this situation being on my credit report. This item should be taken out of my name and off of my credit report leaving only XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to be liable for these loans. I do believe XXXX XXXX XXXX XXXX owes me because everything I have bought on credit since the year of XX/XX/XXXX, I have had to pay more for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: GA

Complaint narrative:
RE : DELETIONS TO CREDIT REPORT Dear XXXX, TransUnion, XXXX  : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Account # Reason for Deletion : XXXX XXXX- XXXX  Incorrect Original Amount of Debt Incorrect Payment History-Account was paid on XX/XX/XXXX. Not reflecting on any of my three credit reports.

Incorrect Date Open on the Account- All Three Credit Reports State that that Account was opened in XX/XX/XXXX which is Incorrect Two Different Original Amount 's Owed On The Account. All Three Credit Reports Is Inconsistent With Original Creditor XXXX XXXX XXXX Account. All Three Credit Reports Stated The Amount Is {$220.00}. But Original Creditor XXXX XXXX States {$210.00}.

I AM ENCLOSING PROOF FROM ORIGINAL CREDITOR " XXXX XXXX '' According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below.

Thank you.

Sincerely,

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