vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
0n XX/XX/2018, {$810.00} was taken from my checking account with Huntington Bank without my knowledge and concent by XXXX XXXX. I then called XXXX XXXX and was told they can take money out any time they want. My situation stems from a disputed debt with XXXX XXXX XXXX, which was acquired by Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
My private student loan is with Wells Fargo. The issue is not directly related to the student loan. Rather it has to do with Wells Fargo handling of XXXX issues. 

A few years ago I was party to a class action lawsuits regarding how Wells did not accommodate clients with hearing loss. This is still occurring. 

Wells Fargo has an area on their website titled Hearing Impaired yet they only list phone numbers. Calling for help is very difficult for myself and others with hearing impairement. It seems prudent, especially after the lawsuit, that Wells would offer an email or chat option to accommodate those that can't hear so they can receive customer service.

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 2018-02-03 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: MO

Complaint narrative:
I filed Chapter XXXX on XX/XX/2017 Creditors and Experian is still reporting late payments and negative information on my credit report. I submitted documentation on every account listed on my Chapter XXXX petition but nothing is being done about it. Wrong information keeps being put on my credit report which is brought my score down 60points because of 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 non-monetary relief
Consumer complaint received 2018-02-03 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was viewing my credit report and noticed that my XXXX XXXX XXXX  stated credit line closed-grantor request reported by subscriber. I never closed this account in fact I was going to be using it this Spring. I realize when something is reported as closed it does affect your credit score.

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 2018-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a mortgage and home equity loan with Bank of America. I make all payments on line. I have been with them now for 18 years. I did try to solve this issue directly with Bank of America and was completely ignored. One month I must I paid a partial payment on my home equity and Bank of America never once called me or sent a letter to give me a reminder like the mortgage department as done even when it was only getting to the 16th day to pay the mortgage. I don't think it is fair to a consumer that they failed to notify their customer that a payment was due and to report it as late to the credit bureaus and to have a negative affect on my credit score. This would have been 1x in my entire relationship with Bank of America that I was 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 2018-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Did not receive notification of debt. I was unaware of balance being forward to me she to insurance being applied. This item is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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: MO

Complaint narrative:
XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies transunion, XXXX and XXXX. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX 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 2018-02-03 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: MO

Complaint narrative:
XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX  and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX 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 2018-02-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, i have more than 30 hard inquiries that i dont recognize and it is hurting my credit and interest rates ... becuase it i could not have a better offer from credit card companies and im paying high interest rates. I cant lease a vehicle or buy a house with moderate interest rate. 

I would like your help. 

Thanks very much XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, i have more than 30 hard inquiries that i dont recognize and it is hurting my credit and interest rates ... becuase it i could not have a better offer from credit card companies and im paying high interest rates. I cant lease a vehicle or buy a house with moderate interest rate. 

I would like your help. 

Thanks very much 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 2018-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: TX

Complaint narrative:
On or About XX/XX/2018, after reviewing my credit score ( XXXX ) I contacted the XXXX XXXX company in XXXX, Wisconson about a new collection/chargeoff. After providing my personal information the agent stated that, I owed that debt and the only way to settle it would be pay it off. Being unemployed and XXXX I needed no more setbacks, I honestly wasn't sure of the many doctors visited which one it was ; I just didn't need my credit score dropping anymore. The amount the agent stated did not match the amount on my XXXX report and she said it was for another bill due to that same hospital?? so she added that on. I asked what I could pay and she said she would see if they would offer a settlement, she returned and said they offered a 20 % discount and that I would have to pay it all at one time, and this would be written as paid off on my report. So I agreed to pay it off in mid XX/XX/XXXX likely with tax return money. I later found out she misrepresented herself and gave false information regarding any arrangement/agreement or contract with this hospital to settle. I also believe she violated my rights to fair credit collecting practices and manipulated me into paying on a debt, without giving me any evidence that I owed. I had no contract with XXXX XXXX, beforehand and was coerced into that mid XX/XX/XXXX payment as the only option available. At a minimum If XXXX XXXX, is willing to accept a " settlement '' payment they should have provided me a written statement validating the debt, the original lendors willingness to settle and the outcome this would result on my credit report. Non of this was provided. I have never had a CREDIT CARD ( except secured ) and its these very same tactics that exploit our attempts to establish credibility and credit worthiness. My credit score has been adversely effected by these collecting practices and reporting. I went to XXXX to begin a dispute however on XX/XX/2018 after successfully logging in I was unable to select any fields or enter any statements. So I am left to begin a mail in process and hopefully have this resolved. Your assistance in this matter is appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is back reporting an account that has been deleted, The company is XXXX XXXX. A few weeks back Transunion removed this account I have documents ; nowXX/XX/XXXX I get a email saying Transunion is back reporting it! This company doesnt do investigations throughly either how are you going to take a account off then allow this  company to put it back on!!! CFPB look into 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 2018-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: NH

Complaint narrative:
On Thursday XX/XX/XXXX I mailed a check to payoff my vehicle. I included an extra day of interest, whereas they would not receive the payment until XX/XX/XXXX. 

At XXXX XXXX in  California on XX/XX/XXXX they received the payment, and I have confirmation from the USPS in regards to who signed for it and at what time Westlake did not apply the payment until the XXXX and are trying to charge me a daily interest rate of {$7.00} On XX/XX/XXXX they were showing that I owed {$29.00} and I contacted them. I was told that the matter would be taken care of in 24 hours. On XX/XX/XXXX they are showing that I owe them {$7.00} and it will continue to climb daily until they figure it out. 

The payment was received on the day that I paid them through, it is not my fault they did not post it immediately even though they claim that they post payments on the day they are received. 

Until this matter is resolved I will not receive my vehicle title

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I purchased a vehicle from a XXXX dealer through help from XXXX XXXX nearly two years ago. Just today I realized I was paying roughly 60 % interest on the loan monthly. I am paying XXXX dollars interest on a monthly payment of XXXX dollars. This is the highest rate I have ever heard of. I was unaware that this was going on. I don't know legally what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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: Nelnet, Inc.
State: OH

Complaint narrative:
On Friday, XX/XX/XXXX, I tendered payment on my student loan. I was informed that processing the payment would not occur until Monday, XX/XX/XXXX. It was explained to me that Nelnet was unable to accept payment on non-business days. This is a reasonable policy that most business, courts, and other industries follow. Unlike, these other industries Nelnet has decided to continue to toll time against me during the weekend. My due date is Sunday, XX/XX/XXXX. As a result, I was informed that even though I tendered payment two days before my " due date '' I would still be considered late as the payment will not be processed until Monday, XX/XX/XXXX. This policy is counterintuitive and unjust. If a loan processor can't accept payment on the weekend then why do I have a due date on a weekend? The due date should be changed to the next " business '' day. This seems like a policy that is designed to collect late fees and potential harmful to other individuals. I would like the CFPB to investigate the business practices of student loan processors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I XXXX XXXX have a credit card with XXXX XXXX I have reached to them they have reached out trans union about the fact I have an authorized use my husband XXXX XXXX on my card but I cant get them to report the fact he is an authorized user to his credit

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 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I XXXX XXXX have a credit card with XXXX XXXX I have reached to them they have reached out XXXX XXXX about the fact I have an authorized use my husband XXXX XXXX on my card but I cant get them to report the fact he is an authorized user to his credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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: TX

Complaint narrative:
cra violation error reporting wrong amount owed inaccurate information XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards not mine XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX not mine XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX not mine XXXX XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters not mine none below are mine cra violation XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, ND XXXX BYMAILONLY XXXX  XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX XXXX, TN XXXX BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( 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 non-monetary relief
Consumer complaint received 2018-02-03 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:
I opened my Coinbase account in XX/XX/XXXX. Last time I had access to my account was about a year ago. I have been unable to acces the the account because I have a new phone number. Their website verification has been broken for at least 2 months. 

After a few weeks of trying to verify my identity through their site, I started a tech support ticket on XX/XX/XXXX. 

They rep had been unhelpful and had not responded in several weeks - no fix has been made. 

Coinbase has effectively stolen my money/bitcoin. They have no intention of helping me get into my account and releasing my funds. 

You can reference Coinbase support case number : XXXX Please help me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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: NY

Complaint narrative:
On XX/XX/XXXX Experian placed a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. 

I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency,  XXXX XXXX XXXX, bought it from another. 

Today XX/XX/XXXX, I receive an email from Experian that there was a change in my credit score. Experian dropped my credit score 63! points for an account that has been proven to be fraud, more than ten years old and has been repeatedly removed from my credit reports because it is fraud and more than 10 years old. And now today the same fraudulent account is on my Experian credit report twice!! It was first placed on my credit report on XX/XX/XXXX and again by the same company on XX/XX/XXXX So one day after I disputed the account as fraud and over 10 years old and before any investigation was even begun Experian penalized me with a 63 point credit score decrease and allowed them to place the same identical fraudulent account on my credit report that I had just disputed two days earlier These repeated errors by Experian, XXXX and XXXX  are cause for investigation into the companies themselves.

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 2018-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I'm trying to get my vehicle returned to me but can not get anyone on the phone or my messages returned. The company is GM Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Pulled my credit report and disputed with all 3 credit reporting agencies a collection debt from CBE fir XXXX XXXX XXXX in the amount of {$160.00}. Ive paid XXXX XXXX a deposit of {$200.00} plus dollars and an insurance premium. As a consumer I have the right to cancel and shop cheaper auto insurance rates and change auto insurance if Im unhappy with company yet theyve sold my information to a debt collector this is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a business account with Bank of America and on XX/XX/XXXX they charged me a {$35.00} NSF fee for a {$9.00} transaction. When I logged into my business account there was a balance of {$18.00} which was enough to cover the {$9.00}. So when I logged into my account the next day there was a NSF charge for the transaction. 

I called Bank of America on XX/XX/XXXX and asked why was there a {$35.00} fee. The representative and the supervisor that I asked to speak to me told be that there was a hold on money in my account from XXXX and XXXX. He said XXXX had a hold on the money for 5 days. I asked them that if there's a hold on the money then why is it showing an available balance of {$18.00}? How am I supposed to know that the money is not available? The supervisor basically told me that it's my responsibility to know what is coming out my account. I was done with the supervisor and hung up the phone.

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