vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-02 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: MA

Complaint narrative:
I was charge XXXX for a daily monitering program for my credit score through Experian. I originally payed {$0.00} for a one credit score and a report which I used for a rental application.

There was no mention that I was signing up for an on-going service. If there was a mention it was not clearly stated.

Experian charged me {$21.00} on XX/XX/2018. I just saw the charge and immediately cancelled the subscription i never signed up for. 

One of the account closing questions was " i didn't know I was signed up for an on-going service. '' This makes it clear that they have had this issue before and haven't done anything to take care of it.

Experian is supposed to help consumers to understand their credit, not trick them into service plans.

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 2018-07-02 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: IN

Complaint narrative:
Submitted a dispute with transunion XX/XX/XXXX regarding a closed XXXX XXXX a count reporting adverse on my report. Date of first delinquency is XX/XX/XXXX and therefore delinquency should be removed by XX/XX/XXXX. Transunion will not remove the delinquency. Other 2 cb 's have already removed.

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 2018-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc
State: VI

Complaint narrative:
I suffered damage to my home from Hurricane Maria on XX/XX/2018. I received a settlement check from my insurance company which I sent to the Mortgage company ( Capital Mortgage Services of Texas , Inc. ) since they had to endorse it. I have a contractor fixing my house now, but I could not obtain a contractor immediately due to their current work load. They started work on XX/XX/XXXX. 

Between the time of XX/XX/XXXX and XX/XX/XXXX I had to undertake a few repairs myself, such as demoing hazards from my damaged roof and patio deck. My contractor had already quoted a price for this, but its no longer necessary to do some of that work, since it has already been repaired. We removed the work from the contractor 's contract that had already been done. 

I asked my mortgage company what happens to the surplus money since insurance had already paid for these repairs. They said that they could not return any surplus funds to me and that it had to go to pay towards the balance of the loan. I am in good standing, and never missed a payment. It was my understanding that they could only collect on insurance claims if you are not in good standing. They also stated that they can not pay home-owners for self performing work. 

Additionally, they will not issue disbursements to me without first getting an inspection. They are automatically deducting {$120.00} from my escrow account for each inspection. The paperwork I signed said that inspections may be required and would cost between {$25.00} and {$50.00}. They are calling for the inspections and then taking money from my insurance settlement to pay for them, which seems unscrupulous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: FL

Complaint narrative:
I never hired or authorized this medical doctor to do anything. Any services that may have been requested was done by another doctor or hospital. I never agreed to make payment or be responsible for payment. I also have XXXX  XXXX XXXX with a 100 % coverage and no deductible even if I authorized the medical services ( which I did not ) I would have been covered by my health insurance provider. Furthermore I have no judgement in a court of law stating I owe this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hi, I have sent three certified letters to Experian in order to receive my free credit report. I have not received a reply to any of them. I sent them a copy of my Drivers License, proof of residence as well. I have been declined for a loan and I need to see the actual reporting from this Bureau. I have received reports from XXXX XXXX, and XXXX already. 

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 non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I want to transfer money to XXXX. Denied!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
For the past 12 months I have faithfully watched my credit scores fluctuate up and down. I paid off all creditors between XX/XX/XXXX and XX/XX/XXXX. My score, slowly rose to a XXXX ( Equifax ) and XXXX ( XXXX ). I unfortunately was unable to establish and maintain gainful employment of no fault of my own which forced me to file bankruptcy, which gravely effected my credit. Even after my bankruptcy, I did not attempt to obtain credit. My credit score slowly increased to XXXX for both XXXX and Equifax. In XX/XX/XXXX it dropped drastically.It dropped 92 points for Equifax and 91 points for XXXX. It stayed this way over a course of 3 months for XXXX and then made a drastic leap from XXXX to XXXX. For Equifax, it increased from XXXX to XXXX. My score remained consistent for Equifax four months ( XX/XX/XXXX-XX/XX/XXXX ) and then took a sudden plunge. My student loan was given a year deferment in XXXX or XXXX. Just recently my scores dropped suddenly. My score dropped tremendously for both companies ... XXXX ( -91 ) and Equifax ( -59 ) .It seems that no matter what I have done to do the right thing and stay afloat, Equifax and  XXXX has continuously made attempts to damage my credit profile. They do as they please concerning credit scores. In addition, I have been one of the many individuals that have been apart of Equifax 's failure to protect my very vital information. I want my credit scores refurbished. I have worked hard and refrained from being in debt to anyone for anything. This seems to be a another practice against XXXX Americans ability to establish, maintain, and grow in socio-economics. There is no way you can explain how one incident dropped my credit score! I have one deragatory mark on both credit reports. I only owe student loans. I want my credit repaired immediately. This is a blatant financial attack on me and others like me that strive and still are faced with injustices at the hand of businesses that would see our demise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Date : XX/XX/2018 Time : approximately XXXX On the above mentioned date and time I had an unauthorized purchase transaction commence. The transaction was only for {$4.00} ( {$3.00} ethereum, {$0.00} coinbase fee ) but it was still unauthorized. I had no reason to believe that my phone had been hacked or compromised and no reason to believe my password was compromised. My phone was literally in my pocket when I got the e-mail congratulating me on my purchase. This scared me because it could have been for a lot more money and also could happen again. 

I immediately called coinbase and I got a phone representative whom seemed extremely unprofessional. I actually double checked the number I called and the e-mail to see if it was a scam e-mail and I felt a bit uncomfortable giving my information over the phone to this person so that they could verify me. However the phone number was legitimate and matched with information from the internet so I went ahead and gave the information, after all i needed to stop any future transactions from occuring before they happened. The representative sounded like he literally just woke up and that it was a burden for him to be on a call with me. 

The rep gave me incorrect information saying I could just sell the ethereum back and get my {$4.00} back. I told him i would prefer to have the account immediately frozen so no future transactions could go through. He did this ( note it took him probably 20 minutes to freeze the account while I was on hold ). 

Coinbase did their investigation and on XX/XX/XXXX, at XXXX I got an e-mail from XXXX ( Coinbase Support ), who concluded that " our records indicate that the transaction in question was initiated from within the Coinbase mobile app. '' Also, that they couldn't process a refund. Also with some questions about if my phone is rooted or jailbroken ( which it is not ). 

I have no reason to believe that my phone has been compromised as I hadn't installed any apps for maybe over a month, and no other accounts on my phone appear to have been compromised. I honestly believe that this was an insider transaction from within coinbase to try and steal {$1.00} in fees. Consumers are not likely to make a big deal about losing {$1.00}, however that's very unethical and illegal and I would like to CFPB to investigate to see if this is a common occurence at coinbase. Maybe they hope that most people won't complain about the small fee and target inactive accounts ( my account had been inactive for months when this happened ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: NY

Complaint narrative:
I enrolled in a loan forgiveness program with Ameritech Financial last year. I was told it was a 10 year program and income driven. They have been charging {$82.00} out of my account, each month. I thought this was going towards my student loans, but wasn't. I received a letter from the Federal Trade Commission telling me this company, Ameritech Financial, is a scam and are performing deceptive practices. They are currently under a lawsuit in court, by the Federal Trade Commision, and I am hoping to get my money back and anything else that can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: TN

Complaint narrative:
1 ). On XX/XX/XXXX, I faxed my first round of dispute letters to Equifax Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, Equifax Credit Bureau had 30 days to delete all fraudulent information from my credit report.

2 ). On XX/XX/XXXX, I faxed a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to Equifax Credit Bureau, XXXX XXXX, and XXXX XXXX XXXX. This was my first round of dispute letters, for which Equifax Credit Bureau was supposed to remove : XXXX XXXX, opened onXX/XX/XXXX, with a balance of {$1800.00}. XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$75.00}. XXXX chXXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, XXXX, inquired on XX/XX/XXXX. XXXX  XXXX XXXX   XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX was supposed to remove : bankruptcy, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX  XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. XXXX was supposed to remove : bankruptcy chapter XXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, with a balance of {$2500.00}. XXXX XXXX XXXX, account number XXXX, with a balance of {$3100.00}. XXXX XXXX XXXX, account number XXXX, with a balance of {$4600.00}. 
3 ). Equifax Credit Bureau, XXXX XXXX, and XXXX XXXX XXXX had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX DECREASE CREDIT LIMIT BY {$300.00} AFTER REVIEWING INFORMATION FROM XXXX. THE REASON FOR THE DECREASE INCLUDE THE FOLLOWING LISTED *NO USABLE REAL ESTATE ACCOUNTS ( I DONT HAVE TO HAVE A HOME LOAN FOR A CREDIT CARD ). 
*NO BANKCARD ACCOUNTS WITH A VALID CREDIT AMOUNT ( THERE IS A BANKCARD ON FILE WITH A VALID CREDIT AMOUNT ) THE FOLLOWING LISTED SEEM TO BE A DISCRIMINATION AGAINST ME. I HAVE ALWAYS PAID ACCOUNT ON TIME, THERE ARE NO LATES LISTED ON ACCOUNT. I REQUEST TO HAVE THE ORIGINAL LIMIT BACK TO {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I was under that protective XXXX  Credit reporting agency " XXXX XXXX '' which they contacted me by email that there was a change on my report, that ' when i seen all these little amounts of {$42.00} {$56.00} {$31.00} & so on which i have never received or had any out standing balances of those amounts.After gathering info on who filed that on my credit report, i found out it was Credit Systems International, the actual amount filed with them that i owe is {$190.00}, not these small increment amounts! They are filing false amounts to make it look like i have all this debt i owe. Credit Systems has made no attempt to contact me. I feel at the least that it is unethical & or guidelines or laws have been broken.

Including the fact that XXXX is aware of this practice! 
The mailing address of Credit Systems International is : XXXX  XXXX XXXX XXXX, Texas XXXX, their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MI

Complaint narrative:
I have an existing complaint in with XXXX  XXXX XXXX. I have applied for Public Service Loan Forgiveness, original application date of XX/XX/XXXX. It appears that they have tried to appease the complaint, however not to my satisfaction as the information they have fed back to me is grossly inaccurate. 

I have been employed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX  XXXX XXXX XXXX XXXX XXXX organization since XX/XX/XXXX. My Human Resources director has verified this with XXXX  XXXX XXXX, and they told me they have record of that verification. 

I have recently received a letter from XXXX XXXX XXXX stating that my beginning date of employment was XX/XX/XXXX ( the date I applied for PSLF, not the beginning date of my qualified employment ). They are only counting payments that were made from this date, which is 11 payments. This is inaccurate, and I believe they are only counting payments that were made once I applied for PSLF and my loan was transferred to them as a servicer. I was previously serviced by XXXX and XXXX. I have made every single payment on time since my employment began in XXXX, so I should have around 80 qualifying payments. This means they are putting me about 6 1/2 months back in the whole process of loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 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: SC

Complaint narrative:
Today I recieve a response back from my complaint filed with Experian. I am asking that they provide me with the copies used to investigate my dispute and to this day they will not. They generated a response just to get the CFPB to close the complaint. They know that once the response is entered in CFPB automatically closes the complaint, which is unfair to us as consumers. I have the right by law to ask for the original documents used to verify the disputes. Im asking one more time that you send me the information. I have asked twice before and you keep spinning around with your answers. Just provide me with the information you used to verify the investigation according to complaint number XXXX. By law I have a right to ask for the method of verification and you have to provide me wit it. All of that other stuff you are replying about is not what im asking for. please provide me with this 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 2018-07-02 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: BMW Financial Services NA, LLC
State: MI

Complaint narrative:
Somebody open a credit card fraudulent in my name I have police report and notified and they still report it to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
On XX/XX/18. I had deposited two checks into my personal checking account. One was my payroll check from my employer, the other was personal check from a friend. On XX/XX/18, I had gotten a notice that the account was going to be closed due to one or more deposited checks are suspected of being altered. I had suspicions that the personal check from my friend was not going to possibly work but I also had a direct deposit set up with my employer to this account and on XX/XX/XXXX, both my mobile app and the website said my that my direct deposit was never received and now they are saying I owe {$920.00}. I know I had over {$500.00} in that account before they closed it and my employer has not received any notification that my payroll check was returned. I know that anytime someone deposits any counterfeit or fraudulent checks that they are responsible for any overdraft that the account encounters but this is straight up fraud by the bank to get me pay more than I really owe and if that is the case, I will sue them on my own.

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 2018-07-02 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: TN

Complaint narrative:
1 ). On XX/XX/XXXX, I faxed my first round of dispute letters to XXXX Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade  Commission ) rules and regulations, XXXX  Credit Bureau had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I faxed a stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report letter to XXXX Credit Bureau, XXXX XXXX, and XXXX  Credit Bureau. This was my first round of dispute letters, for which XXXX Credit Bureau was supposed to remove : XXXX XXXX, opened onXX/XX/XXXX, with a balance of {$1800.00}. XXXX XXXX, opened on XX/XX/XXXX, with a balance of {$75.00}. XXXX/XXXX XXXX, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, XXXX, inquired on XX/XX/XXXX. XXXX  XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX was supposed to remove : bankruptcy, reference number XXXX, filed on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX. XXXX  XXXX, inquired on XX/XX/XXXX. XXXX, inquired on XX/XX/XXXX. XXXX was supposed to remove : bankruptcy chapter XXXX, reference number XXXX, filed on XX/XX/XXXX. dept of ed/XXXX, account number XXXX, with a balance of {$2500.00}. dept of ed/XXXX, account number XXXX, with a balance of {$3100.00}. dept of ed/XXXX, account number XXXX, with a balance of {$4600.00}. 
3 ). XXXX XXXX XXXX, XXXX XXXX, and XXXX   credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and 605B ).

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