vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-24 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: AL

Complaint narrative:
I disputed an item on my Experian credit report stating that the debt belong to my ex-husband. The account is XXXX XXXX. The account was closed in XXXX. The dispute results stated that it would remain on my credit. The date for removal from the credit report is now changed to XXXX. That is incorrect. According to the Fair Credit Reporting Laws, an item can only remain for 7 years.

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 2017-07-24 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: AL

Complaint narrative:
I checked my credit report and found inaccuracies. They verified the account so I sent a request to experian via certified mail asking for method of verification. I also challenged XXXX XXXX compliance.They have not provided me with documentation showing how they verified these accounts. They also sent me a letter stating they will not reinvestigate if i do not provide them with information but they did not provide me with what i asked for. I want to remind experian that as in XXXX v. XXXX XXXX XXXX, No.XXXX ( XXXX. XXXX. XXXX XXXX, 1995 ), you maybe liable for your willful non-compliance.They is taking away my rights as a consumer.

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 2017-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On Thursday XX/XX/XXXX XXXXXXXX XXXX CDT, I wired {$5000.00} from my bank account to the Coinbase Intermediary bank, XXXX XXXX XXXX in New York. I sent this wire from XXXX XXXX XXXX in XXXX XXXX Texas. The following day, XX/XX/XXXX Coinbases intermediary bank, XXXX XXXX XXXX in New York, confirmed receipt of the wire transfer and confirmed that it had been credited to Coinbase, under the correct instruction ( XXXX ). I can provide you with any documentation needed to verify this information I have made no less than 6 attempts to contact coinbase through their customer service portal with no response at all. I also tried to call the company but there is no phone number provided to make contact. I then Emailed directly to their " wire transfer '' department on Saturday XX/XX/XXXX and again NO response. This wire transfer is supposed to be immediately credited to my USD wallet in my Coinbase account. It is Monday XX/XX/XXXX and I have not gotten my money credited. I had a time sensitive business purchase to make on Sunday night XX/XX/XXXX and there was a one hour window for me to complete my purchase through my Coinbase account. My Company missed this purchase opportunity and now it will cost me 10 's of thousands of dollars in revenue. I have read at least 50 postings on various websites and forum 's where Coinbase appears to be deliberately withholding customer funds on wire transfers. Coin base is operating in the USA as an " Exchange " and is governed by US securities laws. This situation looks dangerously like " wire fraud ''. Thank you for any assistance you might provide in helping me recover my misappropriated funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have tried to resolve a credit dispute with Nelnet  for the past four months. I sent my last letter to Nelnet on XX/XX/XXXX  addressed directly to their CEO XXXX XXXX, and I have yet to receive a response to that letter. I am writing today in response to Nelnets response to a complaint I filed with the CFPB, claiming that Nelnet violated FCRA requirements by not responding timely to a credit bureau dispute I submitted to Nelnet on XX/XX/XXXX. I am hoping you can help resolve my issue.
On XX/XX/XXXX I filed a credit reporting dispute through Nelnets website, disputing past due payments reported on my credit report last year. On XX/XX/XXXX
, when I did not receive a response to my credit dispute from Nelnet, I submitted another credit reporting dispute through Nelnets website requesting that Nelnet remove any negative credit reporting because they violated FCRA dispute requirements. I saved a copy of both confirmations I received through Nelnets website, although I have to say their website provides very generic confirmations, which is why I print-screened to save the confirmation pages. In a letter dated XX/XX/XXXX from Nelnet, Nelnet denied any credit reporting inaccuracies and refused to remove any negative credit reporting. I then submitted a complaint to the CFPB because Nelnet failed to comply with FCRA dispute requirements, as Nelnet did not respond to my XX/XX/XXXX complaint within 30 days. Nelnets response to this CFPB complaint was that Nelnet did not receive a XX/XX/XXXX credit dispute, which is completely false. I have a copy of the confirmation page from Nelnets website, time/date stamped, from both occasions where I submitted a credit dispute. Included with this complaint are : - screen printed copy of confirmation I received from Nelnets website for my first credit dispute submission on XX/XX/XXXX, which Nelnet never acknowledged or responded to ( Nelnet claims they did not receive a dispute from me on this date, however, I have proof from their site that I submitted the dispute ) - screen printed copy of confirmation I received from Nelnets website for the second credit dispute I submitted on XX/XX/XXXX I am demanding that Nelnet eliminate all negative credit reporting in my credit file based on Nelnets violation of FCRA requirements. If this does not occur, I will contact my attorney to pursue further actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient raised my interest rate without any notification on my private loans! Also, I question whether they have applied extra payments properly to my principle. I need proof of this as well as my original contract with loan terms. I requested the loan documents be sent last Monday XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am trying to switch my loans from forbearance to an income based repayment plans. I enrolled in an income based repayment plan in mid XXXX and supplied all my financial information. On XXXX XXXX, 2017 i was enrolled in an income based repayment plan, BUT only some of my loans were enrolled. The rest were placed into a standard 10 year repayment plan. I was given a minimum monthly payment that reflects an amount that is approx XXXX dollars more/month than what should be based on my financials and also what navient also admits it should also be based on annual income. i 've called 4 separate times spanning the past 30 days to resolve this issue. Every time Navient i 've called, navient stated that my federal loans are taking a longer time to enroll but that it wil be done within a few days.. this was the same response FOUR TIMES. At this point i 'm becoming nervous because i cant afford my monthly payments but my payments are due. I 've already payed my XXXX payment because i do not want to default on my loans but i can not keep up and navient will not resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Re : Barclays Aadvantgae Aviator Credit Card Promotion : In early XXXX, 2016 I received a promotional offer via USPS mail ( Offer XXXX ) which required, registration via web or phone and the making of {$2500.00} of net charges each month for six months commencing XX/16. I have the original promotional mailing where I placed a " check '' next to the registration requirement indicating my registration. I subsequently made the required charges for each month commencing in XXXX and ending in XXXX. I was to have received, in addition to the normal perks, XXXX XXXX XXXX miles 6-8 weeks after the promotion ended in XXXX. When the XXXX bonus miles were not paid out, I called Barclays ( more than once ). In my most recent conversation ( XXXX ) I was given a totally different story. The story now was that I their system did not recognize my initial registration and that there would be no pay-out, despite their admission that the offer was, in fact extended and the fact that I met the spending requirements. Barclays has created no registration confirmation process, so I can not produce an email, a text, or a webpage confirm to refute their contention. As a side note, my wife also has the same card, received the same offer, registered as I did, made the required level of purchases and similarly did not receive the bonus miles either.

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 2017-07-24 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: AL

Complaint narrative:
I sent a request to Equifax asking for method of verification on a verified accounts and only received that the accounts was reported correctly. I also challanged the XXXX XXXX compliance. They have not provided me with documentation showing how they verified these accounts. Equifax needs to remember THAT as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Equifax is taking away my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Bad customer service due to closing my discover card account for no wrong doing of any kind A credit check was ran after having this account with discover for over a year Two to three credit line increases, with an excellent payment history XXXX balance at the time discover closed my account A credit limit of {$5900.00} Discover states negative items appeared of credit file and without calling me they closed my account They never verified if negative info was true Or if my identity had been stolen Or if someone else credit file merged with mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: AL

Complaint narrative:
Ok sent a request certified mail asking for method of verification on 3 accounts. I also challenged the XXXX XXXX compliance. I received one letter stating that they will not investigate the account again and another paper with a incorrect update report.They have not provided me with the proper documentation I asked for and as a consumer experian is taking away my rights to challenge these incorrect accounts.

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 2017-07-24 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:
XX/XX/XXXX On XX/XX/XXXX, I reported Identity Theft to Equifax ; the unauthorized use of my information remains a serious issue. A police report was filed in XXXX County, case number XXXX where vital information was compromised. Since that time I have had accounts established, inquiries, banking issues that has arisen in my name without authorization, The following Inquiries were made without my authorization, some I have accounts with but I didnt authorized these inquiries. Please delete it immediately and place the fraud alert. There are two XXXX XXXX accounts although paid on time they are not my accounts. All Creditors have been notified. I have credit monitoring with Equifax, Please make the adjustments and rescore my credit accordingly. My attorney has advised me to contact CFPB for further assistance. Your failure to correct the incorrect information is creating more harm. I have notified Equifax a few times about this matter. Name of Company Date of Inquiry Type of Business XXXX XXXX XX/XX/XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXXFinance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX Oil And National Credit Cards XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX Finance_______________ These Accounts have appeared on my credit, they are not mine and must be Deleted Immediately : XXXX XXXX Account Number XXXX High Limit XXXX and another with a High limit of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: CT

Complaint narrative:
I financed a car through Westlake Financial. I continued to make payments through this company and had to file BK due to illness. WE offered to reaffirm vehicle, received no response.Continued to make payments. Company reported our account as discharged in BK with a XXXX  balance. We requested our title and were sent several letters that it would be forthcoming. In XXXX of 2015 we came home to a repo in process. In CT, you must by law sent a letter of intent and did not. We tried to clear up the issues and called many times during XXXX, XXXX and XXXX. We were treated rudely, often in a derogatory manner, were cursed at and threatened. I have recorded conversations with the bank. We were never given the opportunity to discuss cure of any default and we lost our property. I want monetary reimbursement for the trauma and deceptive practices along with clear FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
I authorized a hard inquiry from  XXXX    XXXX   XXXX   on  XX/XX/XXXX  for a car. I have notice that since then the same finance company continued to pull my credit report. This company has obtained my credit report  XXXX  more additional times without my permission, adding  XXXX  more hard inquiry 's.  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  were all unauthorized. Also, in addition to affecting my  credit score , this company obtained my information and addresses that were unknown to them with out my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX XXXX for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX  credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by us bank number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops XXXX points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
I have been trying to get this removed for a while now. I sent them a police report and they emailed me 2 weeks ago that it would be removed from my credit and it is still showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
I recently viewed my credit report and I see that I have a collection of {$630.00} of a hospital bill that I was n't aware of at all. I did have a car accident three years ago and went to the hospital but I was told the insurance company was gon na pay for it since I was the passenger of the person driving the vehicle. And now it 's appreared on credit report 2 months ago and it 's messing up my credit and I called the company twice and they were very very rude and did n't give me enough information and hung up the phone. I need this off my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX XXXX for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX  credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by XXXX XXXX number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops XXXX points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!

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 2017-07-24 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: TN

Complaint narrative:
I had trans union to investigate a account on my credit report twice and they refuse to investigate it properly under the fcra guildlines my third go around I talk to a XXXX XXXX XXXX supposedly a supervisor which refuse to also investigate it with a phone call to the crediter.

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 2017-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute to Equifax on XX/XX/2017 certified with a return receipt. I did receive the return receipt verifying that the dispute was received. The Equifax website has the Dispute confirmation # XXXX, the status still as pending and the dispute date as XX/XX/2017 with and estimated completion date of XX/XX/2017. Today is XX/XX/2017, and I have still not received any response at all, and the status is still showing pending. I have contacted Equifax through their website with no response. The guidelines state 30 days for an investigation, being that the process has taken well over 30 days I would like the items removed immediately.

Company response to consumer: Closed with explanation