vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-10 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: Nelnet, Inc.
State: TN

Complaint narrative:
I have tried to have this information fixed numerous of times : I now have proof from NSLDS.ed.gov ( which is the National Student Loan Data System with the Federal Student Aid ) that my loan was in Forbearance on XX/XX/XXXX. Please see attached. Previously, when submitting this complaint, I had my years ( XX/XX/XXXX and XX/XX/XXXX ) mixed up. If you will, please take a look at the attached document that was downloaded from the government website. It shows on XX/XX/XXXX, I was still in Forbearance and that the loan was consolidated in XX/XX/XXXX. I remained in Forbearance until the loan was consolidated.

Details : I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but Nelnet serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted Nelnet in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for Nelnet for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to Nelnet in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But nelnet refuse to take actions to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi advantage credit card is taking greatly advantage of consumer and specially me. I started this credit card with a balance of {$3000.00} with a payment of XXXX and now my payments range from {$88.00} XXXX month and never go down making be slave of the credit card for years. I have a very interest rate I spoke with rep XXXX rep # XXXX and told her that I had to spend money on funeral expenses and will be great to lower my interest rate and of course CITI was careless about any hardship with customers. 

I been paying this card for over a year and if I count all my payments plus the amount give. I paid more than I borrow in credit making be an slave of interest and payments. This is really predatory interest rate at its best. I want to live pay a CC not a mortgage loan for 6 years because that what will take me to pay.

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 2018-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliant Capital Management LLC
State: AZ

Complaint narrative:
Numerous calls to my place of employment by a " Collection Agency '' named Alliant Capital or something like that. Telephone # XXXX. After getting numerous messages from co-workers stating that a " XXXX XXXX '' was looking for me, I decided to call the number back to see what it was concerning. I got a hold of a man ( do not remember his name ) who was extremely rude, was acting smart and mocking me, acting like it was a joke when I asked to provide me with proof and validation of the debt I " owe ''. Stated he would send me a letter from the company stating what I owe ( in excess of 2k ). I again asked for documents ( signatures, contract, etc ) supporting the debt owed he proceeded to laugh and say good luck. I then asked to stop calling since the number being called was my work number he laughed and said we will continue to call, I then said this is a request to cease and desist any further calls and he said I had to send it in writing and that until then, the calls would continue. 
I expect this company to NEVER contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: CarMax, Inc.
State: FL

Complaint narrative:
I have issues with carmax auto finance. I am current with my payments now and they have shown improvement in my report with XXXX but I was under the impression they remove negative credit report when reason no longer applies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA

Complaint narrative:
They send warrent and summons threw my email ; they threaten to have me prosicuted in the highest court for bank fraud.I never got a loan my account was hacked 3 years ago i then was told by the bank to get a new account im still getting threats

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NC

Complaint narrative:
XXXX XXXX XXXX/Company has never communicated via phone, mail, or email that I have ever owed them a debt. This debt has been placed for collections and has been reporting to all 3 credit bureaus. I have no knowledge of this debt. Also upon further investigation, the state of North Carolina requires collection agencies to be registered with the Secretary of State. XXXX XXXX XXXX is not licensed to do business in North Carolina. Their current status is WITHDRAWN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: FL

Complaint narrative:
I have issues with XXXX auto finance. I am current with my payments now and they have shown improvement in my report with TransUnion but I was under the impression they remove negative credit report when reason no longer applies.

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 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
I 'm writing because I have paid this debt, and it is still showing on my credit report. They wrote the letter that said payment was received and it was paid in full. Payment was received on XXXX /XXXX /2016. Why is it still showing on my credit report please remove it thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I noticed a 30 Day late on my credit report and immediately called and disputed this. I had updated my address with this creditor and hadnt received a statement, unaware that a payment was due. I then received a notice of returned mail. When I called and asked them why my address was not updated they had no answer. I preceded to pay the owed amount and let them know id like the 30 Day late removed, they informed me they would n't help. I then asked to speak to a supervisor they told me it was on a call back basis, I agreed. When three days went by I decided to call them. The same result occurred. 

I would like the 30 Day late removed given the circumstances. I have also never had a 30 Day late with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: TN

Complaint narrative:
I have tried to have this information fixed numerous of times : I now have proof from NSLDS.ed.gov ( which is the National Student Loan Data System with the Federal Student Aid ) that my loan was in Forbearance on XX/XX/XXXX. Please see attached. Previously, when submitting this complaint, I had my years ( XXXX and XXXX ) mixed up. If you will, please take a look at the attached document that was downloaded from the government website. It shows on XX/XX/XXXX, I was still in Forbearance and that the loan was consolidated in XXXX. I remained in Forbearance until the loan was consolidated. 

Details : I graduated from my bachelors and masters program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But XXXX  refuse to take actions to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: TN

Complaint narrative:
I have tried to have this information fixed numerous of times : I now have proof from NSLDS.ed.gov ( which is the National Student Loan Data System with the Federal Student Aid ) that my loan was in Forbearance on XX/XX/XXXX. Please see attached. Previously, when submitting this complaint, I had my years ( XX/XX/XXXXand XX/XX/XXXX ) mixed up. If you will, please take a look at the attached document that was downloaded from the government website. It shows on XX/XX/XXXX, I was still in Forbearance and that the loan was consolidated in XX/XX/XXXX. I remained in Forbearance until the loan was consolidated.

Details : I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX.  But XXXX refuse to take actions to correct this issue.

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 2018-01-10 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: GA

Complaint narrative:
THE FOLLOWING SEQUENCE OF EVENTS OCCURRED : 1. XXXX ETH ( Digital Currency ) was deposited into my Etherium Coinbase Wallet Account from an external Crpyto Exchange on XX/XX/XXXX. 
2. I sold ( Exchanged ) the ETH ( Digital Currency ) on Coinbase for USD fiat and requested that the USD fiat funds be deposited into my XXXX XXXX account on XX/XX/XXXX. See message below. 

Message Sold XXXX ETH for {$7900.00} USD. 

Payment will be SENT to XXXX BANK XXXX by Wednesday XX/XX/XXXX. 


The funds were NEVER sent and Deposited into my XXXX XXXX Account as requested. 

See further message below : Your sell for {$8000.00} USD of ETH has started Reference code XXXX Payment method XXXX XXXX XXXX Start date XX/XX/XXXX Estimated payout XX/XX/XXXX Amount XXXX ETH Exchange rate @ {$740.00} / ETH Subtotal {$8000.00} Fee {$80.00} Total {$7900.00} The funds were NEVER sent and Deposited into my XXXX XXXX Account as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Back in early XXXX I sent funds ( {$2000.00} ) from coinbase to contribute in an ICO. The ICO sent the corresponding transaction back to my Ethereum wallet on coinbase ( Its an XXXX token so they can be sent to ethereum wallets and help along with any XXXX token ) but coinbase does not recognize the token and refuses to assist in anyway to send to tokens to a seperate wallet address for me. It took them over two months to even reply to my request for assistance and when they did they flat out refused to help. The process to do this is simple and would take maybe 5 minutes. I have emailed support and opened several cases, every time I am told they can not and will not help resolve the situation. This happens rather often and this company is holding my currency XXXX in my wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: OH

Complaint narrative:
Sent debt validation to company in regards to alleged debt owed on XXXX, no response or proof of contract/proof of debt owed returned. Credit report showing balance of {$1500.00} that is not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have two charge offs from 2 XXXX which were covered by my insurance. They did not file them in time and the insurance denied one. On the otherone, I was never given and XXXX. This was over 8 years ago. Bad Debt company bought the debt and re-reported it as a current dedt to Equifax!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX, 2017 Chase Auto performed a hard inquiry on my credit report without my consent. I contacted Chase auto and said would not be able to solve my issue i would need to contact the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
It is about Binary Option trading Company called XXXX XXXX. Who took my Credit Card money totaling {$68000.00} and said they would invest it in stock trading and they would make payments to my credit cards on a monthly bases. As days and weeks and months went on I said where are my payments to my credit card. So In XX/XX/XXXX they credited my credit card {$1200.00} and in XX/XX/XXXX They send me money of {$2100.00} to my Bank Account for more payments. So when this all started in XX/XX/XXXX thru XX/XX/XXXX they said they would send me payments each month, but after XX/XX/XXXX. they said they were no longer going to pay any more money to my credit cards. So XXXX I XXXX XXXX XXXX and found some people getting scammed with this merchant. I Talked to the account manager and I seen that their business did not have a binary option trading in the United States. After that XXXX XXXX shut down their business on line and disconnect their phone and I could not talk to them anymore. So them I disputed all 3 credit cards XXXX XXXX, XXXX XXXX .I received credit to credit cards totaling {$24000.00}. The disputes that I had with Bank of America card Totaling {$40000.00} I did not receive any settlement from them because they said I received credit back to my credit card and my bank account. So the question where is my {$40000.00} that XXXX XXXX has. I checked with an Attorney and they said the merchant is not in XXXX, XXXX. They are in XXXX XXXX, XXXX and they are a scam binary option trading stealing peoples money. The attorney told my that they are after them for millions of dollars that they took from people.Bank of America will not return my money to my account that I disputed and also the money they took from my credit cards is the same money they sent back to me as credits.

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 2018-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I made a withdrawal for the amount of XXXX from coinbase on the XX/XX/2017 and i still have n't received it XX/XX/2017 which is way past the date advised. i have tried to contact them via a support ticket and XXXX but they have failed to respond, its seems many people are having the same problem and i worry they may be struggling with liquidity problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I discovered that my personally identifiable information may have been disclosed without authorization due to a data breach. On XX/XX/XXXX, I mailed a Free Annual Credit Report form to the Free Annual Credit Report service, asking for a free copy of my credit report from TransUnion, if it existed. On XX/XX/XXXX, I received a response from TransUnion stating that they did not find a credit report based on the limited details I provided, but that they could perform a more thorough investigation if I asked.

On XX/XX/XXXX, I sent a reply to TransUnion, asking for a reinvestigation. I included copies of my official identification documents that TransUnion desired to have in order to perform their search. I asked them to conclusively inform me whether or not a credit report existed in my name, and if so, to provide a copy of it. On XX/XX/XXXX, I received a response from TransUnion, which again stated that no credit report could be found based on the information I sent to them, but did not conclusively state that no credit report for me existed within their database, as I requested in my letter.

On XX/XX/XXXX, I sent a second reply to TransUnion, again asking for a reinvestigation, and emphasizing that I desired a response in clear and unambiguous language that I either did or did not have a credit report in their database. With this letter, I again sent copies of the official identity documents that TransUnion requested in order to perform their reinvestigation. On XX/XX/XXXX, I received a response from TransUnion identical to the one I had identified as being insufficient.

In spite of my two clear and reasonable letters, TransUnion has failed to answer with an acceptable level of specificity whether or not I have a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Transferred money to the virtual currency service " Coinbase ''. After confirmation funds had been transferred to the service, access to the website was restricted stating ; " THIS REQUEST HAS BEEN RATE LIMITED You 're making too many requests to our servers from this computer, please wait an hour and try again. If the problem persists add a Bug Report. Sorry for the trouble! '' although no incorrect information had been entered. There are no options available to me to request my money back. 

Funds were transferred XX/XX/2017. 
Funds were confirmed to be transferred on XXXX XXXX.

Company response to consumer: Closed with explanation