vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX 2017 I purchased a service I did not get and the service I got, I was not satisfied with. I attempted to get a refund and Capital One sided the merchant saying I had to pay for the contested charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Re : Equifax security breach : 1. Called the Equifax call center @ XXXX to place a freeze on my account but was instead directed to ftc.gov/XXXX which did not help me, as it only provides information on steps to take such as calling each credit reporting agency to place a freeze. 

2. Then tried to place the freeze online at https : //www.freeze.equifax.com/XXXX, but was unable to complete due to site not working. 

3. Also, signed up for XXXX XXXX XXXX through Equifax at XXXX and was supposed to receive a validation email, but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX I made a regular payment of {$400.00} by check. Wells Fargo Dealer Services misapplied this as a principal payment and charged me a late fee. 

XX/XX/XXXX LATE CHARGE ADDED - {$16.00} {$0.00} XX/XX/XXXX PRINCIPAL RECEIPT {$400.00} {$11000.00} Description Details Effective Date XX/XX/XXXX Principal {$400.00} Posting Date XX/XX/XXXX Next Due Date XX/XX/XXXX XX/XX/XXXX REGULAR PAYMENT - OTHER {$400.00} {$11000.00} I called and was bounced around their call center as they stuck to the claim that I had requested it be applied to principal only. I asked for a copy of this and was refused.

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 2017-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Green Trust Cash, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX I was applying for a loan this company said it would call to verify info.. i never talked to anyone I have a screenshot from there web page that says no money will be deposited till they talk to me.. I also needed to edit my weekly pay and it would n't allow me it kept going back to XXXX weekly .. who needs a loan with that kind of money.. I 'm a XXXX and my pay is around XXXX-XXXX weekly and my payments are XXXX a week it can not afforded these payments .. this company is located in Montana

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
Received a credit card letter from XXXX Ohio Comenity bank requesting information on credit card. I called and informed them I hav enot opened anything up. XXXX XXXX XXXX. I live in XXXX, Montana. The customer support did nothing. I recalled was informed they did not have me in their system. When I asked why I received a letter with credit card information on it, they denied it. I am worried some one opened up a credit card and I am going to be in trouble for it. The customer service person said they could not find me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Per the recent Equifax leak, my credit information may have been shared. Requesting a credit report and fraud alert through Equifax has proven to be unsuccessful at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax failed to secure my and my wife 's personal data and it is now public as a result of the failure to encrypt my data. I was not directly notified of the failure to secure my data. I had to read about it on a social media press release. 

As a result of this, my wife and I have placed fraud alerts on our credit files as well as credit freezes to protect ourselves from the leak that was a result of Equifax 's negligence in protecting our data. The freezes have cost us {$41.00} so far and I would like to be reimbursed for the cost to protect myself. The costs to protect my wife and I could continue to go up and I would like to be reimbursed for the costs as it is a direct result of Equifax 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: IL

Complaint narrative:
Transunion refused to remove a bankruptcy from my report that is not following the new reporting laws set as of XX/XX/XXXX. I disputed with the BBB and the only step they took was to verify that it was me. Transunion out right lied saying that it is reported on my credit report with all the information required by law which it is not! I have attached a picture of how Transunion is reporting the bankruptcy on my credit report. With the new reporting law in place millions of misrepresented and ill reported information including bankruptcies, tax liens, and civil judgments are to be removed because of the credit bureaus poor reporting practices!

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 2017-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
In anticipation for Hurricane Irma to hit our community and to have the cash needed to make repairs and make payroll we liquidated our Coinbase accounts ( four transactions on the same day totaling to approximately just over {$6300.00} ) on XX/XX/XXXX with a delivery date provided by Coinbase of XX/XX/XXXX. 

The account has been verified by Coinbase for months had same day debits from Coinbase when making purchases in the past as recently as XX/XX/XXXX, yet Coinbase has not been able to deliver a credit for over a week. 

As the money was not there on XX/XX/XXXX, support tickets were opened with Coinbase, messages were sent via XXXX to the payment support team, and private messages were sent to moderators on the Coinbase subreddit who are marked as Coinbase employees. 

The transaction history within Coinbase shows an ACH transfer date of XX/XX/XXXX. Reaching out to XXXX XXXX XXXX they have zero record on their end of any transaction processing. Having worked as XXXX on the data acquisition team for XXXX ( XXXX XXXX XXXX XXXX ), there is a familiarity with the ACH process and transfer times. Coinbase 's timeline appears to yield discrepancies in regards to generally accepted processing times. 

Coinbase 's response has been a single email of " ... we are aware of the issue ''. Looking to support forums for help this appears to be a recent issue with Coinbase, which could indicate a liquidity crunch.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: MN

Complaint narrative:
Our US Bank Line of Credit is showing up on our report as if we pay it late. When in fact we have NOT used that account in several years. What happened is in late XXXX US Bank had a security breach where someone got into our US Bank checking/savings account and performed fraudulent transactions. Since the bank did not catch it ... they took it upon themselves to use the line of credit to cover the money/purchases that was being stolen. We called them multiple times when we noticed the money coming out of our checking/savings account and also let them know they should not be using the " inactive '' line of credit to cover these unauthorized charges that were a breach of their system. Once they took it upon themselves to use the line of credit to cover unauthorized transactions, they would then charge us interest on that line. It took weeks for them to reconcile the unauthorized charges and correct their inappropriate use of our line of credit to cover those transactions. It was known that we would not make payments to that line of credit because WE did not utilize the line of credit and wanted to make sure they corrected every transaction and were not attempting to charge us interest on the line of credit to cover the fraudulent checking/savings account transactions. It appears the bank did not record these weeks of conversations in their system because they are showing up on our credit report as if we made late payments to our line of credit. When in fact it was their delay in researching the fraud and correcting the balance amounts across the checking/savings account and the line of credit. 

This US Bank Line of Credit mark on our credit needs to be corrected. If you research the transaction history you can see we had not used that line of credit for years and their should be a record of the fraudulent activity on our checking/savings account that show that US Bank ( not us ) accessed the line of credit so any late " payment '' to that account was their late payment ... no ours because we did not use the line of credit and did not do the transactions that bank tried to cover with our line.

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 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Like 143 million other Americans, my credit report information was hacked on Equifax in XXXX 2017, and  the public was not made aware of the issue until XX/XX/XXXX. This hack displayed gross negligence on the part of Equifax, opening myself and millions of other people open to risk of identity theft due to the leak of social security numbers and personally identifiable information that could be used to open up fraudulent credit accounts. I do not believe that Equifax has responded appropriately to this leak, considering they failed to disclose that they were hacked for six weeks before offering a solution of free credit monitoring for one year. Credit monitoring will not prevent someone from opening my account, and even if it did, my social security number and other data will not change after one year. After the " Free '' year of credit monitoring expires, I would still be open to the same level of risk as I am today solely  because my personal information was not sufficiently protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has confirmed that I may have been affected by the hacking breach of XXXX 2017, yet provided nothing short of self-preserving, reactive remedies to the situation. Not only did Equifax  attempt to force an arbitration waiver on affected people and dupe them into subscribing to their monitoring services, Equifax has repeatedly demonstrated a lack of regard for security best practices, including requiring randomly generated PINs, not just easily compromised datestamp-based PINs. Equifax was utterly negligent in its handling of extremely sensitive personal data, and it seems only fair that they lose the privilege of handling this sort of unique, irreplaceable information. Consumers like me deserve the right to protect our data from these kinds of greedy, irresponsible companies. Their feeble offer of a year of credit monitoring still leaves the fox guarding the henhouse and does nothing to protect consumers who have lost all semblance of data security in perpetuity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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:
XXXX XXXX # XXXX IN THE AMOUNT OF {$1800.00} WAS PREVIOUSLY DELETED FROM MY CREDIT FILE AS I AM NO LONGER LIABLE FOR THIS ACCOUNT. IT HAS REAPPERED ON MY CREDIT FILE AS OF XXXX XXXX, 2017 UNDER A DIFFERENT COLLECTION AGENCY XXXX XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.
Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

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 2017-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Consumer attempted to find a temporary living situation in XXXX, Georgia so that she could work a month-long film job. A suitable option was found at XXXX. Consumer got in contact with the renter, renter provided a rental application, then a contract, and requested payment via wire transfer or mail. After rental application was submitted and approved, payment was made via a bank to bank transfer ( wire ). After payment was made, renter stopped responding to phone calls, texts, and emails. 

Fake real estate company : XXXX XXXX / ( XXXX ) XXXX / ( XXXX ) XXXX ( fax ) / XXXXXXXXXXXX / XXXX XXXX  XXXX XXXX, XXXX, NE XXXX Contacts : XXXX XXXX XXXX and XXXX XXXX XXXX Recipient Bank Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Notes : -Chase bank is unable to retrieve the funds in question, but has opened a claim. They say the funds are no longer available in the recipient account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: AL

Complaint narrative:
XXXX XXXX is stating that I was late a couple of times. My loans were in forbearance with the company. I will like for them to update the necessary information to never late.

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 2017-09-14 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: AL

Complaint narrative:
XXXX XXXX is stating that I was late a couple of times. My loans were in forbearance with the company. I will like for them to update the necessary information to never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX is stating that I was late a couple of times. My loans were in forbearance with the company. I will like for them to update the necessary information to never late.

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 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
XXXX XXXX- XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I tried the Experian on-line tool to FREEZE my credit XXXX XXXX XXXX XXXX times. I have excellent credit. XXXX times I entered the the correct information and thrice it says they are unable to freeze my credit and to send hard copies of information by certified mail to their mailing address in XXXX, Texas. They were charging me {$10.00} and I entered my credit card information for payment. WHY ARE THEY MAKING IT DIFFICULT TO FREEZ MY CREDIT. THERE IS NO REASON FOR ME TO MAIL CERTIFIED FOR FREEZING MY CREDIT IF IT CAN BE DONE ON-LINE. THIS IS ABSURD AND UN-AMERICAN!!!

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