vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A XXXX credit card was opened without my permission I contacted them they said 60 days to resolve this to remove from my credit report. Still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: FL

Complaint narrative:
XXXX XXXX Credit Card Account was removed from my XXXX report. However, it 's still showing up on XXXX and Transunion. This is not my account, and it seems like XXXX has proven this.

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 2018-01-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Credit Card Account was removed from my XXXX report. However, it 's still showing up on Experian and XXXX. This is not my account, and it seems like XXXX has proven this.

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 2018-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Since XXXX 2017, I have received two calls a day, six days a week from a company call Portfolio Recovery, XXXX XXXX XXXX, XXXX, VA XXXX. They use numerous different numbers to call from including:XXXX, XXXX, XXXX, XXXX. The calls come at approximately the same time every day. The phone rings twice and they hang up. Only once was I able to answer in time. The caller was looking for someone who I do not know and is not at this phone number. I explained this to the caller who was then very rude. I told them not to call any more, but the calls continue. NO ONE IN MY HOUSEHOLD OWES ANYONE ANY MONEY. THESE CALLS ARE NOT FOR ME. These are now Robo calls, there is an electronic sound on the line, but no one answers. Receiving thousands of phone calls over a 6 month period of time from the same company is simply harassment. The number they are calling me at is XXXX. I wish to report Portfolio Recovery for telephone harassment. I an also on the DO NOT CALL REGISTRY. I have NEVER received anything in the mail from this company about any issue, so why do they keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Since at least XXXX XXXX, 2017 I have been trying to withdraw my money from Coinbase. I get an error that says I am not able to be found in public records, and therefore, am unable to verify my account. Since I am unverified, I am unable to withdraw my money. Even though I was unverified, the Coinbase system had no problem with me funding my account with over {$5000.00}. It let me put money in, but wo n't let me take it back out. 

I have put significant effort into contacting Coinbase customer support to get my issue dealt with. Coinbase has simply ignored my request. In addition to that, I waited on hold for over 2 hours on 3 separate occasions only to have the customer service representative hang up on me after finally getting through. Also, the customer support representative did n't give me any useful information whatsoever and did n't even try to solve my case. 

I would like to scan my Passport or Social Security card in order to prove my identity, so I can then withdraw my remaining balance, and then I would like to PERMANENTLY close my Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, my husband I applied online citibank.com for a checking and savings account. on XX/XX/XXXX we received an email notice that we need need to provide additional documents. We provided all necessary documents on or before XX/XX/XXXX. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I called to check on a status of debit cards to be mailed. I was told they were on the way. On XX/XX/XXXX, I went to a branch and was told that no cards were ordered. I then called again and was on hold for an hour. The agent reassured me that he would overnight the cards to me. Then later that evening my husband called on XX/XX/XXXX about his debit card and was told them same information. it is now XX/XX/XXXX and we do not have debit cards or access to the accounts. We are unable to get truthful answers to our issue from the representatives. I would like to lodge a formal complaint against citibank. The account is due to close on XX/XX/XXXX for lack of activity.

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 2018-01-19 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. 
I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from Experian. XXXX from XXXX has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.

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 2018-01-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On X/XX/2017 I opened a Certificate of Deposit ( CD ) account with XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. At the time of opening this account, the bank Assistant VP, XXXX XXXX, told me that the rate of the CD was 5.25 % and I could open a cash secured line of credit ( LOC ) for the same rate of 5.25 %. 

He told me this in order to encourage me to open the CD account, as I thought my money would earn interest and I still would have access to the same amount of money in the LOC account with the same interest rate. I thought that was a very good idea to do that. 

A week after I opened the CD account on X/XX/2017, On X/XX/2017, XXXX XXXX sent me an email saying that he had quoted me an incorrect interest rate, and instead of 5.25 %, my interest rate was only 3.24 %. 

I was very upset about this situation, and at that time, I wanted to terminate my relationship with the bank. However, I thought I was stuck since I had already opened my CD and if I wanted to pull my money from that account I would have to pay penalty. XXXX XXXX did not advise me that I could have closed the CD account without any penalty upon the disclosure of the correct rate. 

Recently, as I am trying to close this CD account, the bank refuses to do that unless I pay them a hefty penalty. I have involved the bank escalation process and they have talked to the regional manager, but the bank still refuses to close the CD account without penalty. 

XXXX XXXX XXXX is a fraud and he misrepresented the true rates of the CD and LOC to me back in XXXX 2017. Once that he had me locked down with the CD, he changed the interest rate. He made sure I could n't move my money and then he changed the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I just feel so disappointed big banks like BOA are ripping poor people like me. I tried so hard back in 2016 to get hold of someone in BOA to resolve this matter. What 's sad is this real time resolution reported delinquent note is post closing of property with XXXX balance? I do n't even think that 's in compliance. I had BOA mail me this note after closing to sign and they even told me they forgot to get my signature at closing. And with advice of my coworkers at XXXX XXXX that any balance should have been disclosed at closing, I just discarded the 3 notes they repeatedly sent me to my apartment. Then after a few months I started getting calls from real time resolutions for {$2000.00} note. I received written notice after they reported it on my credit. When I asked them for proof of signed docs they sent a doc with my signature! But I did n't sign that for sure. When I finally got hold of someone in BOA short sale dept they said they had mailed the {$2000.00} cashiers check paid by me at closing back to XXXX XXXX XXXX. When I asked them why would they do that, they said a lady called in as me ( identity theft ) on the phone to send the check back and since BOA did n't know where to apply the {$2000.00} cashiers check that was pd at closing, they mailed it back! HOW DOES A BANK NOT KNOW WHERE TO APPLY A CASHIERS CHECK THAT WAS COLLECTED AT CLOSING > THAT CHECK SHOULD NEVER HAVE BEEN SENT BACK. I remember signing a {$2000.00} check for my ex-husband from BOA and at that time, I thought it was some escrow acct balance refund because I never expected this stupidity on the bank side.

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 2018-01-19 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:
MULTIPLE HARD INQUIRIES WITHOUT MY PERMISSION AGAIN LETTER SENT TO CREDIT BUREAUS AND THEY STATED THESE INACCURATE INQUIRIES WILL STAY ON MY REPORT XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX Ive submitted a previous complaint with VERIFICATION about my inaccurate student loan payment history and not all of that was corrected Im EXAUSTED with the constant back and forth with the bureaus I just want these inaccuracies that are hendering me with no fault of my own CORRECTED

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 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
multiple letters were sent to national credit systems and request for documentation to validate debt per fcra. I received notification from the credit bureaus stating that the account was verified. I did n't receive proof of investigation for account number XXXX. 
this account has also been on my credit report for 7years which is from my understanding when it should drop from my credit report. do n't know if they have a license to collect in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I disputed charges with XXXX. XXXX did not contest the dispute. Instead, XXXX sent the dispute to successive collection agencies. Each time the debt was disputed, XXXX moved the issue to new collection agency without addressing the underlying concern that the debt was not owed. 

More recently, Southwest Credit ( collection agency ) contacted me while I was at work. I indicated that my job was not conducive to a discussion on debt but the representative persisted. I explained that the debt was in dispute and I would provide written correspondence. I sent the correspondence and Southwest Credit continued to call me while I was at work.Southwest, having no capacity to conduct an impartial investigation, decided that the debt was owed and reported a disputed debt to the credit agency resulting in the harming of my good credit. 

I told Southwest that I was open to an an impartial arbitration, but instead Southwest acted in bad faith and reported a debt to the credit agency. Again, I do NOT the debt as all equipment for XXXX was returned. Southwest has harmed my good credit with the sole purpose of coercing payment. I have suffered significant harm to my otherwise good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was to added to a Wells Fargo Rewards card on XX/XX/XXXX as an authorize user without my consent. I never used the card and I have since been removed from the account. The account, however, is still on my credit report. The balance due fully belongs to someone else. 
As reference I already have a Wells Fargo Rewards card that was open on XX/XX/XXXX in which I am the sole owner and user. The card has a higher balance and my usage and payment history for the last 5 year has been perfect. I have never missed a payment. 
Please remove the Rewards card opened on XX/XX/XXXX from my account.

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 2018-01-19 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: Navient Solutions, LLC.
State: SD

Complaint narrative:
Payment plans they always directed me towards left me with an inflated principal much larger than the original amount owed. This lender is currently being sued how can I get help with forgiveness or payment options?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: GA

Complaint narrative:
MULTIPLE HARD INQUIRIES WITHOUT MY PERMISSION AGAIN LETTER SENT TO CREDIT BUREAUS AND THEY STATED THESE INACCURATE INQUIRIES WILL STAY ON MY REPORT XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax and XXXX Ive submitted a previous complaint with VERIFICATION about my inaccurate student loan payment history and not all of that was corrected Im EXAUSTED with the constant back and forth with the bureaus I just want these inaccuracies that are hendering me with no fault of my own CORRECTED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
MULTIPLE HARD INQUIRIES WITHOUT MY PERMISSION AGAIN LETTER SENT TO CREDIT BUREAUS AND THEY STATED THESE INACCURATE INQUIRIES WILL STAY ON MY REPORT XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and Experian Ive submitted a previous complaint with VERIFICATION about my inaccurate student loan payment history and not all of that was corrected Im EXAUSTED with the constant back and forth with the bureaus I just want these inaccuracies that are hendering me with no fault of my own CORRECTED

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 2018-01-19 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. 
I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from XXXX. XXXX from TransUnion has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.

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 2018-01-19 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 — Other problem getting your report or credit score
Company: First Data Corporation
State: AL

Complaint narrative:
I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. 
I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from XXXX. XXXX from XXXX has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: AL

Complaint narrative:
In XX/XX/XXXX, i signed a lease with sunlake at edgewater apartments. I received a derogatory mark on my XXXX credit report, stating that a collections account has been opened in the amount of {$6000.00} on XX/XX/XXXX. I know for this cant be correct, and i have to address it immediately. I did n't receive any mail indicating this or a verbal phone call. I would like for action to be taken to get this negative mark removed from all my credit reports and or set up arrangement to pay debt off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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:
I was to added to a XXXX XXXX Rewards card on XX/XX/XXXX as an authorize user without my consent. I never used the card and I have since been removed from the account. The account, however, is still on my credit report. The balance due fully belongs to someone else. 
As reference I already have a XXXX XXXX Rewards card that was open on XX/XX/XXXX in which I am the sole owner and user. The card has a higher balance and my usage and payment history for the last 5 year has been perfect. I have never missed a payment. 
Please remove the Rewards card opened on XX/XX/XXXX from my account.

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