vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 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: Lending Club Corp
State: CA

Complaint narrative:
LendingClub Corp is reporting to the credit agencies that my account was closed in XX/XX/XXXX when they received a payment from me on XX/XX/XXXX.

They also have status that the account was included in bankruptcy which is a violation of bankruptcy laws and also after the account was close and they were still recieving payments after they reported the account close. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
I called in XX/XX/XXXX to inquire about a forbearance form. They mailed me a form and I filled it out and mailed it back. I called to follow up upon receiving another months bill ; to which I was told I didnt include the co-signer information ( mind you, no where on any of my bills I receive nor anywhere on the user portal online logging in does it show or demonstrate that these two loans have a co-signer ). So they mail the form again and I fill it out again, this time including my co-signers information. I follow up on XX/XX/XXXX and was then told that they had me fill out the wrong forbearance form. I attempted to inquire about this issue and was given the runaround. What forbearance form did I fill out? What one was I supposed to receive? The forms were mailed directly to me by AES so how could they get this wrong twice? They tell me they will mail me the correct form and it is now XX/XX/XXXX and I have yet to receive the new form so I called again today and they had no clue about why I didnt get it. Well now its coming up on 60 days without payment because the forbearance was supposed to have started on XX/XX/XXXX whe. They received the form the first time I filled it out. Please help get this company to do right!! This is so wrong that I keep getting the runaround and have to re-do things

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XX/XX/XXXX I sent money to XXXX {$50000.00} ( to help my nephew buy a house ) from branch of Bank of America, XXXX XXXX XXXX XXXX, XXXX, OR XXXX My nephew 's contract for the purchase of the house ended on XX/XX/XXXX.The representative of the bank, XXXX assured me that the money will be received no late thanXX/XX/XXXX. XX/XX/XXXX, I flew on vacation.During the vacation, I constantly checked the account online, but the information was only : '' processing '' .After XXXX I tried several times to call my bank branch, but could not connect with XXXX , which made my transfer, to get explanation. 
I returned from vacation on XX/XX/XXXX and went to the bank. XXXX explained me that the XXXX XXXX XXXX XXXX  XXXX need : date of birth, place of birth, passport number, National identifier, profession, country of citizenship and economic purpose of payment of my nephew. I gave them everything and transfer was send onlyXX/XX/XXXX.

If they were for me to demand this information immediately after I made the money transfer, or a few days after I would not have lost {$2000.00} dollars which had to be paid to sellers for moving the transaction on XX/XX/XXXX.

By the way, when I checked my bank on vacation they sent me advertising of various banking products to my account, but there was no information they need to complete a transaction. 
I ; m a valuable customer for the bank.On my account there is always a balance of {$70000.00}. In addition, the bank processed a lot of my money for 12 years while I'm a customer of BA. 
Therefore, I demand compensation of {$2000.00} for this issue. 
XXXX 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 explanation
Consumer complaint received 2018-05-11 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: CA

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
coinbase.com - isnt ' their a us law that states that i an institution holds your cash, they are no way shape or form allowed to keep you from yourn cash? when obama wasa prez, you had him going to florida and tell those law ppl their fired and he endforced the laws but now you got a pseudo banking institution which has my cash in their institution. i orgot the password for the account and dont ' remember the password for the email address. so i called coinbase.com at XXXX XXXX XXXX XXXX so i give her my name password, and then shes ' like last 4 of your phone number., im gon na fax you some personal identificatrion and shes like we cant conrtinue if you cant give me your last four of your phone number ; so i go, gim me an email address, ill send you 17 ids and my ssn and i go, excuse me itrs my cash you cant no youre not allowed to not give me access tro my money, so i finally go do you have a supervisor i can talk to and shes like sure and hung up. my name is XXXX XXXX XXXX XXXX XXXX nys XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
My credit came in at XXXX according to Citibank. 
Interest rates are based on the credit score, as low as 5.99 percent. 
5.99 is what they advertised, depending on the credit. My credit score is in the excellent rage, I should have received the lowest interest rate or very close to it at a XXXX. 
Citibank has given me an interest rate of 12.49. 
There has been several complaints with Citibank not upholding the 0.5 savings for automatic transfer. I called in and let them know the online process is not working to receive the 0.5 discount. I spoke on a recorded line with a man named XXXX around XXXX XXXX, date XX/XX/XXXX and was told several times ... the 0.5 savings will be applied if the online process does not work, just call soon as you get the loan. He also spoke of how this happens time and time again. I did call, and Citibank more than once told me the 0.5 savings will not be applied. 
When applying online it does not show people the interest rate they are approved for at anytime, it gives a range and states how a persons credit score will dictate the interest rate. So, people apply online and are approved for these loans and do not know the interest rate is. Once I got the check and called, I have/ had no problems returning the check, yet interest of a few days had already accumulated. 
There marketing strategy is going over the line by withholding the real interest rates and information, and by speaking with Citibank reps in the personal loan department, it is very typical for peoples banking information not to go through and therefore not get the .05 savings when they call in ... .. This also seems comes off as a strategy.

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 2018-05-11 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: CA

Complaint narrative:
Trans Union, XXXX  and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-05-11 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: CA

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2018-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation
State: FL

Complaint narrative:
Today I received a collection notice in the mail from Global Credit & Collection Corp. The envelope and postage appeared to be junk with " Presorted '' in the stamp square. The letter is claiming that they have taken over " my debt '' from XXXX XXXX and that i owe {$1600.00} to a XXXX XXXX account giving no dates. No idea who XXXX XXXX is either. I have beautiful credit, no unpiad old accounts, nothing at all deliquent, past due or have I ever been late paying. I check my credit through XXXX XXXXXXXX XXXX, my bank and credit cards multiple times a week. Its alarming since I do have a XXXX XXXX card, but the info on the letter is not my account info at all, and my balance is much much less, so I have no idea what this debit is. The letter threatens that must I contact them within 30 days or they will assume the debit is valid. I have researched this company to find multiple complaints on a slew of sites including Consumer Affairs, all about scamming. One person said this company put hard inquiries on the their credit report with false amounts owed- they did get it removed, but how are they able to do that?! Also every person spoke of repeat harrassing phone calls, rude language, vauge information, and the representatives hanging up on them. Also, one of the complaints claimed to have spoken to an attorney who verified that this company in a scam and not a real collection agency. I found that they are not XXXX   accredited, appear to be from XXXX and are using XXXX addresses. I am hesitant to call them because i do not want more phone calls, I get enough solicitors that I do not answer even though I am on the do not call list. They are crazy if they think i will give them any of my information. I also do not want my credit compromised due to this fraud so i will keep monitoring and hopefully I wont have to dispute this. I have worked very hard to be in good standing, and for someone to mess with it to scam me is just not right. Be careful, do not fall for this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I'll start from last year. I left the country ( USA ) for XXXX in XXXX and did recovery after that in XXXX. I made a payment to the company via phone because I lost my card and couldn't access my account. I pleaded with the company to make my bank already linked to my ACCT on autopay as I won't be in the USA long enough to receive a new card to access my account. The company has many notes regarding issue. I left XX/XX/XXXX After returning XX/XX/XXXX I had letters from Barclays regarding the account, when I looked at the balance I noticed it was substantially higher then it should be. So I contacted them and discovered to purchases where made on the account when I only made a single purchase so I set up my fraud claim. 

Most of the times because I travel a lot m, y fiance handles the billing issue. But I never used my Barc card more than once so I would always lose it, fiance would forget the password and a new card would be needed so I never really took notice to the account amount. 

Once I noticed the account was used again per agent knowledge I set up a claim. Barclays denied my claim because they said the card was used in the same location. 

But when I was notified of the date I thought back and knew immediately there was an issue as I propose to my fiance in XXXX during the time of the transaction and wasn't even in the state. 

- When I set up case initially I was told not to make any payments on the account but continued to receive missed payments on a credit report and also received missed payment when I called and advised Barclays to put my account on autopay.

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 2018-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase offers ability to transfer Ultimate Reward points to various airline mileage programs, one of which is XXXX XXXX. On the afternoon of XX/XX/XXXX, I requested a transfer of XXXX points to such an account. I received a confirmation email indicating that transfer will be completed within two business days ( end of XX/XX/XXXX ). 

While the points were deducted from my account, the transfer was not completed by this time. First contacting Chase by phone led to a request to wait for seven days. 

Having waited the seven days, the transfer was still not completed. I called Chase again and the agent was able to create a ticket to escalate this since they were not empowered to help. 

On the evening of XX/XX/XXXX ( over ten calendar days later, or over eight business days later ), XXXX account showed the transfer as complete. 

Finally, I received a letter ( dated XX/XX/XXXX, received XX/XX/XXXX ) responding to my escalation request. The letter ( signed by XXXX XXXX ) does not address my inquiry about reasonable reliance for timely transfers and just cites that according to program rules transfers are not reversible. 

Having checked the program terms, Chase is the party that failed to honor its contractual obligations ( terms promise transfers within 7 days ). Additionally, there was inaccurate messaging about transfer times promised within the confirmation email creating an undue reliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX my wife received a call from the following phone number : XXXX. The woman on the phone identified herself as XXXX XXXX with Dynamic Recovery Solutions. She asked to speak to me, but called my wifes cell phone number. My wife asked what the call was in reference to and XXXX XXXX became frustrated, stated she would call back at another time, and proceeded to hang up. My wife called the number back and XXXX XXXX answered. She informed XXXX XXXX that she was my wife and wanted information regarding the previous phone call. XXXX XXXX stated that my wife needed to verify my current address or last 4-digits of my social security number, in order for her to provide any information. My wife did provide our current mailing address. XXXX XXXX stated the call was in reference to a {$10000.00} balance for an unpaid debt that I had supposedly incurred many years ago and had been settled, therefore a lawsuit would not be pursued. She then asked if my wife was ready to make a payment towards the balance or set up a reoccurring payment. My wife informed XXXX XXXX that she would need to send written verification regarding this matter. XXXX XXXX proceeded to inform my wife that her credit could also be in jeopardy, since we are married. My wife concluded the conversation by again telling XXXX XXXX that she would need to provide us with written verification. Upon checking my credit report, I see absolutely no reports for debt collection. Therefore, we believe this must be a scam or con-artist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX i received a alert from equifax saying that there has been a change with my credit card account issued by my bank XXXX XXXX XXXX XXXX Account closed at the consumer request.I updated my Equifax report on XX/XX/XXXX and took it to my bank XXXX XXXX XXXX XXXX sent notification to Equifax on XX/XX/XXXX and i disputed the account the same day i have supporting documents from my bank.On XX/XX/XXXX My credit file was updated my credit card account was reporting open.On XX/XX/XXXX my credit file was updated credit card close at the consumer request.XXXX, XXXX has been compliant by updating my credit card account at XXXX XXXX XXXX XXXX request.Equifax is being non compliant and is breaking the fair credit act law.I Will be submitting supporting documents to back up my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: IL

Complaint narrative:
I have worked for a XXXX XXXX XXXX for about 18 years and should qualify for Public Service Loan Forgiveness. I have been paying on my loans for about 6 years. In XX/XX/XXXX I sent in an employment verification form certifying my years of public service, and my loans were moved to XXXX XXXX. In two years, I have not received verification of my qualifying payments. I called them about this is XXXX and they said it was weird. They put in an expidited review order and said it should be complete in 48 hours and I would get a letter. I still have not received anything. According to my records I have about 60 qualifying payments. The woman I spoke to on the phone in XXXX said I have way less than that. She listed a number of long forebearances that I did not take. I have bank records showing all my payments. Ive only ever made automatic payments that the loan services said were due. Im not sure what my next steps are. I have done everything right for PSLF yet I cant get anything in writing showing where I stand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have accounts showing current all year in XXXX. Then in XXXX Equifax changed it to show lates. If I was current all year long how can they go back after the year is over and changes it to late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am trying to connect my Capital One CC to a budget tracking app called, XXXX. However, I am unable to do so, and get the following error ; Capital One is blocking you from enabling external applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 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: KY

Complaint narrative:
XXXX ( dba.XXXX XXXX ) added an escrow account to my mortgage payment and reported it 30 days late in XX/XX/XXXX. They acknowledged this was done in error and failed to correct my credit to positive status for over 7 months. They also reported my account 30 days past due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, even while accepting my payments and providing written documentation that the negative reporting was their error. They also provided written documentation that the account was never late and should have been updated with the credit agencies. As of XXXX, XXXX XXXX, my credit score is still under 650 because of the late payments reported over the last 7 months and I have documentation of 11 attempts to correct this via email, mail and phone calls. I have also hired a lawyer to work on my behalf. I have suffered severe financial loss due to these errors and the length of time that my credit score has been damaged. There is no explanation for the 7 months of delays is correcting the errors in my credit reporting and I would like the CFPB to investigate this case and hold XXXX responsible for it's gross negligence. I hope this case will be used as an example of how mortgage services can destroy innocent victims credit and cause innumerable levels of stress and financial damage. There needs to be better credit correction oversight of mortgage services in the future to prevent this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Prim and Mendheim
State: AL

Complaint narrative:
Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX This is the company that has called me about a apartment I never lived in saying I owe them i gave them my address at the time and how long I lived there and I never lived in XXXX Alabama and they checked my credit twice without my permission then told me they had the social security number wrong but I am stuck with not one but two hard inquiries while trying to repair my credit.

Company response to consumer: Closed with explanation