vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: CA

Complaint narrative:
There are three loans on my credit report that have the same opened day as my real loans. The account number, lenders information and term length are not the same. The debt amount is off by a few dollars. 
The name of the lender is listed as the Department of Education but the address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX Does NOT belong to them. Its belongs to XXXX, a software company. 
I have called the department of education but they do not do anything because they dont look past the fact that I do have loans with the same start date. Borrowers Defense denied my claim despite proof from my student loan account records showing an amount for twice my student loans. The financial records show double the amount but my XXXX only list three which is correct. I wasnt charged at an interest rate of 100 % in a time span of XXXX ( which is when they appeared ).  They do say that the loans are from being transferred as a result of defaulting. They were on deferment as I was having an economic hardship. I was in the midst unemployment which resulted in an eviction. The default was a surprise. What they ignore is the fact that last year alone, disbursements were made for about {$30000.00}. I only owe {$14000.00}. Two of the loans were issued for a year I never applied to. I attended XXXX XXXX XXXX and was told to give one of the financial aid workers my application and they would help but I didnt hear back from US Dept of Education. Even my statements listed another company as the lender. The school said I would owe them. I also reported this but no one has ever taken it seriously despite proof. Is it not illegal to ask someone to pay a debt that was fraudulently acquired or isnt theirs?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase loan is indicated on XXXX and XXXX credit reports but its 11 years old. There is also the following comment : skip and trace. Chase wrote off loan and I paid taxes on it in 2012 and never pursued me. Loan should be deleted if I can't pay it back. I communicates this to them but nothing changed. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I'm disputing the following accounts inwhich I deem to be fraudulent and I'm demanding that they be removed and blocked from my credit files immediately. The orginial account is from XXXX XXXX, a city inwhich I do not reside in ..someone obviously stolen my identity. Therefore, you and your companies shall remove the following unauthorized accounts. 

1 ) XXXX XXXX Co {$330.00} account # XXXX 2 ) XXXX XXXX {$240.00} account # XXXX I'm requesting all documents used to open these accounts in its original form, or these accounts shall be removed/ blocked immediately.

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 2019-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2019, I was looking for tickets to XXXX XXXX. I was approached by a woman named " XXXX XXXX '' email address : XXXX, XXXX : XXXX   : XXXX? XXXX. She told me she had two tickets to XXXX  XXXX, and even sent me a " Confirmation Email of purchase '', I foolishly believed her even though the grammar was questionable in some spots, but I assumed it was a translation as English didn't seem to be her first language. I played it safe and asked questions, and she assured me I had nothing to worry about and was genuine, and could not attend the event due to her son being sick. She insisted I send through friends and family, and I wanted to send through services, but remained optimistic, a stupid choice on my part. I sent one payment to be safe, and would've demanded the first " Ticket '', before sending the second. She told me the tickets were together, and to get them, I'd need to pay in full. I asked for the tickets, THEN I would pay but she insisted her husband was in a hurry. Nervous, I sent the second payment with faith there were good people in this world, that faith was immediately stripped when she sent me a crude fake image, and then immediately blocked me on XXXX. 

I have heard you can not dispute friends and family transactions, but when I saw that this was protected by http : //www.dbo.ca.govConsumer Financial Protection Bureau , I immediately came to dispute. 

I have MESSAGE EVIDENCE from XXXX I can provide. Here is a folder of said evidence : XXXX XXXX XXXX XXXX Once again, her name was XXXX XXXX, XXXX XXXX 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 2019-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NY

Complaint narrative:
You have marked my complaint as a duplicate it is not, while some of the same issues remain unresolved there were new ones added please do not mark this as a duplicate!!!!! 

1 ) I have been trying to resolve unapplied payments since XX/XX/2018 to no avail 2 ) When I receive correspondence Selene continually glosses over this fact 3 ) Selene has used one of my payments for Legal fees 4 ) I had to hire an accounting firm to validate my findings and they did, this must get addressed, another issue that has not been addressed and glossed over in their correspondence 5 ) NEW I have requested the information on the new company that is taking over my mortgage to no avail 6 ) NEW I have requested an amortization schedule that has not been received.

7 ) This company has been pushing me towards a foreclosure since XX/XX/2018 ONE CAN NOT BE SATISFIED WITH A STAMPED LETTER THESE ISSUES NEED A RESOLUTION, JUST BECAUSE YOU RECEIVE LETTERS OR CORRESPONDENCE DOES NOT MEAN THE ISSUES WERE RESOLVED THEY HAVE NOT BEEN!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: MA

Complaint narrative:
My creditor has been unable to obtain my credit history from Equifax. I confirmed with my creditor, who has continuously extended credit to me for over XXXX years in the form of a credit card, that my credit usage is being accurately reported to all credit bureaus. I then contacted Equifax to inquire about my credit history, and they requested that I send them a copy of my state issued ID as well as a copy of my Social Security Card to confirm my identity. I received a reply on XX/XX/2019 from Equifax stating that they were still unable to locate a credit file. I have been unable to apply for credit because Equifax will not supply a credit report to my creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The paypal account was suspended without any information. NO FRAUDS whatsoever BUT WAS SUSPENDED INDEFINITELY! Any incoming payments was never processed. A return from ebay and the refunds was not accepted making it unable for me to get any refunds. A transaction using the debit card from paypal needs to be disputed but I am unable to do so due to the paypal 's suspension. Up to this date, I can not seem to do any transaction.

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 2019-07-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CFW Holdings LLC
State: TX

Complaint narrative:
Repeated phone calls to my place of employment despite repeatedly being told I was at risk of being fired from my job by receiving such calls at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am trying to close my account since i have issues with them concerning privacy like taking pictures of my home. I am just not comfortable of sending a picture of my home just to prove about my place of residence. Since i still have funds with them, I can not even avail of it. I want my balance sent to me. I have been verified by XXXX XXXX XXXXXXXX, XXXX and XXXX XXXX without having to ask for my picture standing in front of my house from corner to corner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to log a dispute with Trans-Union for the past two months. The website has been reporting " Technical Difficulties '' for the entire duration. I have searched message boards regarding these " Technical Difficulties '' and it appears that this problem has been going on a lot longer than two months. It is my belief that Trans-Union has purposely disabled the credit dispute portion of their website.

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 2019-07-05 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:
The collection agency XXXX XXXXXXXX XXXX has agreed I do not owe this debt. They also stated they notified the credit reporting agencies. I need this to be removed from my profile ASAP. I've been saying for the last year that I did not owe this company anything. Also I received a letter from the company stating they were reporting unverified information. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO 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 2019-07-05 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.

Complaint narrative:
from : XXXX XXXX XXXX The XXXX website is not currently available at your location. Visit www.consumer.ftc.gov/articles/0155-free-credit-reports or www.consumerfinance.gov/learnmore/ to learn how you  can request your free U.S. credit report by mail. 

I am a USA citizen. Why can't I see my credit report on line?

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 2019-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I am writing to request assistance in obtaining a response from Coinbase on the below matter. I have tried to contact them on my own without success. I feel defrauded and helpless after being unable to get ahold of anyone.

Comments on Coinbase Support : 1 ) When calling their phone number, every prompt selected results in a pre-recorded message followed by them disconnecting the call 2 ) When I emailed them, the representative did not acknowledge my message ( essentially the same as below ) and returned a comment how Coinbase does not charge a fee for cryptocurrency conversions. 

Cryptocurrency is extremely volatile I understand this. I have been playing with it for years and accept the large ups and extreme downs. However, upon looking back on a transaction that occurred on Coinbases platform, I feel that I may have been defrauded as a transaction took place well below the market prices during that day. While I approved the prompt on Coinbases mobile app to execute the transaction, I assumed it would be done at the market prices for both assets and did not recalculate their numbers for accuracy ( See attachment, from XX/XX/2019 for reference, showing prompt which does not clearly note exit price from one asset and entrance price in purchasing asset ).

Comments on Coinbase app : 1 ) They do not allow limit orders on their mobile app. I assumed that the market price executed would be the market price shown on their pages.

2 ) Per Coinbase support, We do not currently charge a fee for cryptocurrency conversions, where one kind of cryptocurrency is exchanged directly for a different kind of supported cryptocurrency.

3 ) Coinbase is registered as a XXXX XXXX XXXX with XXXX. This is a large factor in my reason for assuming their prompted conversion amounts were accurate and did not verify. 

Please see the attached XXXX prepared summarizing my recent Coinbase transactions. The transaction in question occurred on XX/XX/2019 at XXXX. Assets that were valued at {$2200.00} during the day were converted to {$1800.00} instantly. Based on my calculations, they exchanged my assets in a way that resulted in a 15 % fee in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IN

Complaint narrative:
I am writing to dispute the following information that Infiniti Financial Services provided to XXXX. 

This 30-day late payment is inaccurate because I was setup on automatic payment draft and my payment should have been drafted. 

Furthermore, I spoke with an associate at Infiniti on XX/XX/19 when I noticed that the website was showing me past due. This associate spoke with me on a recorded line and confirmed more than once that I would not be considered 30 days late because I called and made both payments for XX/XX/XXXX and XX/XX/XXXX on the 30th day. 

I am requesting that Infiniti Financial Services pull this recording for verification and have the 30 day late removed from my credit report to correct the information. I have always paid on time with them and I have excellent credit. 

After I heard back from Infiniti Financial Services that they were not going to remove the late mark on my credit. I sent a certified letter on XX/XX/2019 requesting that they re-review. I sent it to this address : Infiniti Financial Services Attn : XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Texas, XXXX, but have not heard back and my credit score dropped significantly due to this 30 day late mark. Over 40 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: FL

Complaint narrative:
On the evening of Friday, XX/XX/XXXX I decided to review all of my account statements from Regional Acceptance Corp to determine why my balance appeared to be high despite the additional payments I've been making since XXXX of this year. I found a few items that caused me a bit of alarm My account statements began reflecting a higher balance due in XXXX and have maintained the entire year. Instead of the {$390.00} car payment agreed to, I am consistently charged an unexplained additional cost of {$40.00} and the total amount due reflects {$820.00}. 

I found that I am being overcharged and my additional payments have not been applied to the principal as expected. This practice hurts me tremendously because I'm already paying high interest rates. It feels like I am caught in a web that makes it impossible for me to pay off my debt. 

It came to my attention that when I was making every effort to pay down my debt and sometimes making multiple payments my past due balance was increasing. I don't understand how that happens. 

My statement currently shows a past due amount though I am not past due and I've been charged late fees despite paying ahead of time this year. A request will be made to look into this issue as well as credit back the late fees and remove any inaccuracies. have written a letter that I will be mailing to Regional Acceptance Corp detailing my grievance. It will be attached with the other supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I received a phone call at XXXX XXXX   from the company. When I expressed displeasure with the representative on the phone for the extremely early phone call he seemed completely unaware that there were laws governing when he could not call. While my phone number has a XXXX  area code I have receive mail from this company at my home address in XXXX. The company is aware of how early they called me and violated the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I have no idea who CAINE & WEINER is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CAINE & WEINER is indicating that an account unknown was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have attempted to contact Caine & Weiner via certified mail ( RR # XXXX XXXX XXXX XXXX XXXX and that have not responded or provided any of the information I requested. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CAINE & WEINER as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ CAINE & WEINER } was  authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to CAINE & WEINER, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: OK

Complaint narrative:
have an account included in my chapter XXXX petetion filed XX/XX/2019. 
all other accounts reflect this however i have disputed this and not getting the correct results.

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 2019-07-05 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: FL

Complaint narrative:
I submitted a dispute for the XXXX account that is listed on my consumer credit report due to varying dates of last activities between all three credit bureaus in XXXX of 2019. The account also does not reflect that the account is being disputed by the consumer and the date of the last update is showing as XXXX, even though Experian claims to have just completed an investigation on this account. This proves that Experian did NOT perform an actual investigation into this account that is reporting highly inaccurate and incomplete information. This issue has been brought to Experian 's attention on more than one occasion.

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 2019-07-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
section 1681 of the fcra governs permission given to any company to check my credit report only by signed contract not from any other source my credit has several unauthorized inquiries that are illeagally reported

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