vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-27 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX/XXXX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my IBR income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XXXX XXXX. On XXXX/XXXX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XXXX XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
Coinbase / XXXX lost my funds transfer.

I sent money from XXXX exchange to the XXXX exchange.

At the point and time of the transfer XXXX was representing the value of my XXXX at {$7400.00}. The exchange it was on had it priced at {$4200.00}. My intention was to sell it on the exchange that showed the higher price. Since XXXX lost the transfer, am entitled to reconciliation of my losses since they have held my BitCoin Cash since this date and I have been unable to sell @ {$4200.00} or {$7400.00}. The value has been cut in half since XXXX lost the transfer.

I would like to receive the US dollar value of the funds they misplaced from the exchange they were on at the point and time of the transfer was sent ( XXXX price ) or transfer completion ( XXXX price ). Tuesday, XX/XX/XXXX XXXX XXXX I have open many support tickets and have spent 26 hours waiting for customer service to answer. I 've never been given any information.

Amount : XXXX XXXX To : 1XXXX Requested At : XX/XX/XXXX XXXX From : XXXX  According to XXXX they sent my money on this date.

XX/XX/XXXXXXXX XXXX Completed Address : 1XXXX XXXX XXXX  3XXXX  According to the blockchain, XXXX received my funds.

XXXX XXXX XXXX Relay time Tuesday, XX/XX/XXXX, XXXX XXXX Time until confirmed after 8 minutes and it has since been transferred out to a private wallet.

Please help me in recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
I seen a collections on my credit that is not mine. I didnt open this account. Someone else opened it in my name. If I have to I will get an attorney to get this account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27 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: TN

Complaint narrative:
XXXX XXXX has been reporting negatively with different information on each of my credit report XXXX open XXXX/XXXX/XXXX reported- closed charge off update XXXX/XXXX/XXXX Equifax open XXXX/XXXX/XXXX reported closed charge off update XXXX/XXXX/XXXX XXXX open XXXX/XXXX/XXXX reported closed charge off update XXXX/XXXX/XXXX XXXX XXXX keeps reporting the account as active when file a dispute with credit agency when is incorrect. they also send different information to different credit agency which is not consistent. the account has been closed for more than 7 years yet they keep sending incorrect information causing a loss of 80 points on credit report. This company keeps reporting to credit agency as if the account has activity which is does not since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I never sign up, fill out any application or request any mortgage assistance from XXXX XXXX . this company is shown up on my report with out consent. I have sent a letter on XX/XX/2017 requesting that inquire to be remove from my Equifax . this company is listed as a Miscellaneous Reptg agencies with no number address to be able to request proof of signature  that authorization was given to pull report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I 'm trying to sign up for a company called XXXX. My error Message is td bank is blocking you from enabling external applications

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: AL

Complaint narrative:
i submitted a dispute with experian on 8 items according to fair credit reporting act 609 ( A ) ( 1 ) ( A ) a credit bureau supposed to have a copy of my signature on a contract on file for the accounts they have listed on my credit report and readily available for the consumer if properly requested as i did .but experian refused to provide me with it  on 5 items and they said they will not reinvestigate the other 3 because they have already investigated but they didnt send me a copy of a contract with my signature on it like i requested according to fair credit reporting 609 ( A ) ( 1 ) ( a )  if the consumer ask for for a copy of my signature on a contract stating that i am indeed the owner of the account it shall be provided but they refused to send it to me and refused to reinvestigate or remove the unverified items according to fcra 611 all items that are not verified must be delete and these items was verified or deleted

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 2017-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX and my address is XXXX A XXXX XXXX XXXX, Md XXXX all of the other names and address are wrong and incorrect that appear in my credit reports are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Call XXXX to ask about why my payment was not being pulled out after I called they told me that I have to finish my recovery repayment plan, I was told that now I have to start a new payment plan with their company call Navient and based on my income I have to pay exactly what they say even though me and my wife both have to pay back student loans to do two different companies I explain to them that my budget is pretty maxed and I needed to go a different route to get away lower payment when I was paying the recovery payment plan I was able to pay five dollars for now Navient raise my payment to be around XXXX after calling multiple times and asking for more assistance on flexibility to least give me down to {$50.00} a month something I can actually afford they basically told me to kick rocks saying that I was going to become delinquent if I can not set up a payment plan that they basically choose for me with no options at all if you can help me sort these things out he seems a little abusive just because he look at my income they decide on how much I can pay that and knowing how much I actually need to survive month to month The only reason Im complaining because they have not given me the option for flexibility to basically acting like a dictatorship

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: TX

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear Sir or Madam : Re :  XXXX Confirmation # XXXX I have approached XXXX XXXX XXXX XXXX multiple times to correct the fraudulently occurred reporting by XXXX XXXX . XXXX is refusing to remove the delinquent data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, causing difficulty to get refinance done at eligible terms. 

Similar approach is done to XXXX XXXX, who already removed the said item from my credit file with them and provided a confirmation to that effect. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely 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 2017-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I 'm trying to open an account with XXXX and fund it with my Capital One XXXX account. XXXX stated online that Capital One is blocking my ability to use external applications to access my financial data therefore I can not open a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I never sign up, fill out any application or request any mortgage assistance from XXXX  XXXX. this company is shown up on my report with out consent. I have sent a letter on XXXX/XXXX/XXXX requesting that inquire to be remove from my XXXX. this company is listed as a XXXX XXXX agencies with no number address to be able to request proof of signature that authorization was given to pull report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I never sign up, fill out any application or request any mortgage assistance from XXXX XXXX. this company is shown up on my report with out consent. I have sent a letter on XXXX/XXXX/XXXX requesting that inquire to be remove from my XXXX. this company is listed as a XXXX XXXX agencies with no number address to be able to request proof of signature that authorization was given to pull report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX and my address is XXXX A XXXX XXXX XXXX, Md XXXX all of the other names and address are wrong and incorrect that appear in my credit reports are wrong.

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 2017-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX and my address is XXXX A XXXX XXXX XXXX, Md XXXX all of the other names and address are wrong and incorrect that appear in my credit reports are wrong.

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 2017-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the others names and address that appear on my credit report is not correct.

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 2017-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my IBR income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XX/XX/XXXX. On XX/XX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XX/XX/XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.

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 2017-12-28 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: TX

Complaint narrative:
XX/XX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my XXXX income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XX/XX/XXXX. OnXX/XX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XX/XX/XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 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: TX

Complaint narrative:
XXXX/XXXX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my IBR income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XXXX XXXX. On XXXX/XXXX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XXXX XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.

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 2017-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I made a purchase on XXXX/XXXX/XXXX for {$1500.00} worth of bitcoins. XXXX XXXX XXXX. 
The estimated arrival day that was provided was on XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX and I have yet to receive any of the bitcoins I purchased even though the bank transfer was completed. 
I called the company and was on hold for more than 2hr before getting to speak to a representative. In the middle of our conversation the call was drop and I was unable to receive any assistance. I later received on email from the company support, where I provided all the information for them to correct the issue, but as of now nothing has changed. 
All in all it 's been almost a month and I have yet to receive my bitcoins.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: TX

Complaint narrative:
They say i owe a debt but I do n't have a contract with this company. When i ask them if they have a bond in texas they hang up. They are in violation with the Hippa law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the others names and address that appear on my credit report is not correct.

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 2017-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX  del XXXX all of the others names and address that appear on my credit report is not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I have had a Coinbase account since 2012 to store my bitcoins in. I have my verified email and correct password, but since i have not accessed my account since then, I am unable to log in to manage my funds. This is because i had a different cell phone number then and it is used to verify myself when logging in with a text message. There is supposed to be a method to have the company Coinbase change my phone number, but they are completely unresponsive to my attempts to do this. I verified my identity when I created my coinbase, and this should be a very simple process to update my phone number and be able to log in. It has now been over 6 months of me trying to contact the company to access my account.

Company response to consumer: Closed with explanation