vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Pursuant to FCRA Section 605B I have made strong efforts throughout the year of 2017 to notify XXXX  and Experian of my identity theft and the accounts that are fraudulent. I have requested that these accounts be removed pursuant FCRA section 605B. I sent a copy of my identity theft report via certified mail and it is being handled as a traditional dispute letter as reflected on my credit reports. I have also disputed items via their websites and dispute letters and have not received communication honoring the law. 

The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KS

Complaint narrative:
I checked XXXX XXXX today, and there are 2 Hard Inquiries made on my Credit Report from the same company on 2 different dates that I am not aware of ever submitting. the company is ONEMAIN FINANCIAL the dates are XXXX XXXX XXXX and XXXX XXXX, XXXX. 
Which has resulted in my credit score dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: CREDIT CONCEPTS, INC.
State: NV

Complaint narrative:
My bankruptcy case # is XXXX Oder of discharge is XXXX/XXXX/XXXX Name of debt company is credit concepts out of XXXX, Oregon I filed chapter XXXX last XXXX, & everything went good, got rid of a lot of debt..I 've been doing good about building my credit score, doing everything right. 
.well today one of the accounts that I included in bankruptcy came back on my credit report today, saying account open, $ with a high balance.. 
Before, it would say. Account closed/ paid/ and that it was discharged under chapter XXXX 

I was getting close to having a XXXX credit score, & today it dropped XXXX points because of it!! 
I filed a dispute, does anyone know what else I can do?? 
Sorry this post is so long, any advice would be greatly appreciated, THANKS

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD blocks my access to make purchases using my debit cards. They close them out whenever they feel. This would be the 5th time within 6 months. Another situation TD refuses to investigate a Regulation E application in the amount of XXXX. They have compromised my safety and integrity. I totally been humiliated over time, my concerns unmet, and suffered too many bankedforced shut down and assess to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-14 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: MO

Complaint narrative:
XXXX XXXX has reported a 30 day late payment for XXXX of XXXX on my credit report. The account is always due on the 3rd of the month and I 've paid it every time since opening the card in XXXX. As usual I entered a payment online before the XXXX XXXX due date using capital one 's website. I believe the system had an error and did not process my payment. I was unaware until I saw the late payment on my credit report. It was a small payment and I always pay at least the amount due. The limit on this card is {$500.00}. My name is XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
on XX/XX/XXXX at about XXXX est, there was a bitcoin sent from a third party to a bitcoin address i provided. the transaction has been confirmed on blockchain and three weeks later coinbase has still not deposited said monies to my coinbase wallet. i sent several emails to coinbase asking where funds were. the first two responses were computer generated and referred me back to their website. after sending the third email on saturdayXX/XX/XXXX, i received an email stating as follows : " Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. '' their customer support site had a message up that stated they were experiencing delays since mid XXXX. however, today that message simply says that the only delays are involving id document verification. this would have me believe that previous delays were handled. however, i checked my account today and my deposit still does not appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
In XXXX of 2016 we had discontinued service with a cable provider XXXX XXXX XXXX and resumed service with another provider XXXX XXXX. XXXX XXXX had received all of their hardware back and that was all we heard from them. Now we are receiving collection letter from a company named CBE group claiming we owe an outstanding debt from services from XXXX XXXX XXXX. We have formally disputed and all they have done is is sent us bills in which. We 're sent to us we disputed with XXXX XXXX and they closed account with XXXX balance and now these bills are reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: ID Analytics, Inc.
State: FL

Complaint narrative:
Purchased a vehicle in XXXX 2017 and received financing thru my credit union with a fico score of XXXX. Just received a letter from XXXXXXXX XXXX informing me that I was denied the loan due to information received from XXXX XXXX XXXX. Showing my credit score as XXXX with too many delinquent accounts and limited history at this phone. I currently do not have any delinquent accounts and have had the same phone number for almost 13 years. I read a few threads on them after receiving this and do not feel comfortable calling them to dispute this. Not sure what the CFPB can do but it was recommended that I report this. Hopefully you all can shed some light about their reporting practices Thank you for your anticipated assistance. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc.
State: DC

Complaint narrative:
At the end of XXXX, my XXXX XXXX XXXX, a loan I had since XX/XX/XXXX, with a fixed rate of 4.25 %, was bought by XXXX XXXX to administer. 

I did n't notice it at first but several months ago I realized my interest rate was changed to variable and now sits at 5 %. 

Furthermore, I could no longer access my XXXX account, which, having signed up for paperless accounts, meant I could no longer access my monthly statements. I have auto-debit, so I often would n't check statements, hence why I did not notice my rate change and the following. 

Shortly after I signed onto the XXXX XXXX website I say my amount due and thought, that my account balanced seemed higher than what it had been in the last year at XXXX. I requested all the information XXXX had on my old XXXX XXXX XXXX data and I finally got it. After painstakingly transferring the data into XXXX and performing all the necessary calculations ( which I can only thank my XXXX in XXXX, to be able to even go this far ) I have discovered my hunch was right. 

I have, in essence, have had one full year of payments removed from my balance ( as if, I 'm paying from the start of XXXX again ). While my loan is not large compared to others the amount is still enough to make me angry at the banking institution for their clear negligence and makes me all the more concerned for my fellow borrower who nationally carries a larger debt than I. The amount difference in question here is {$1200.00}. That is still the equivalence of one full year of payments. The current balance is {$12000.00} while the real value, using the ending balance at XXXX and what I paid to XXXX, actually is {$11000.00}. 

To be clear, in my calculations, I added the unpaid, accrued interest before my first payment six months after XX/XX/XXXX, which includes the first disbursement at XX/XX/XXXX and the second at XX/XX/XXXX. 

I have paid a total of {$11000.00} of which {$5100.00} went towards principle and {$6200.00} went towards interest. Of the total paid, {$1100.00} was above the minimum due and was selected to pay off principle ( mostly done during the first couple of years - to help reduce the loan quicker ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX called Citicard at XXXX regarding my account ending in XXXX due to two electronic payments ( XX/XX/XXXXcheck # XXXX and XX/XX/XXXX Check # XXXX - {$80.00} ea ) that were returned to my bank ( Chase ) by Citicards. 
I spoke with XXXX at the customer service number listed above who was unable to explain why both of my payments above were returned. He advised me to change the mailing address from the XXXX XXXX SD address to XXXX XXXX XXXX XXXX AZ XXXX and he took a debit card payment for {$80.00} with me over the phone to resolve the situation. 
However, upon receiving my XX/XX/XXXXstatement I saw the same problems was happening as credit for payment Chase bank states were paid are not reflected on my account statements via Citicards. 
I again called the XXXX number on XX/XX/XXXX and first spoke with XXXX who confirmed no payments were posted to the account ending in XXXX and was also unable to tell me why. 
I asked to speak with a manger and spoke with XXXX ID # XXXX who via a three way call to Chase bank with me to verify payment, stated she would note acct, request an investigation. Yet I received a letter XX/XX/XXXX requesting bank statements within 30 days to prove all that was confirmed with manager to keep the conditional {$80.00} credit resulting from my conversation with XXXX. 
However, today I received notice form Citi cards in another letter that they were reversing the {$80.00} credit that ensued from my XX/XX/XXXX telephone call inquiry and with out any reason as to why. 
It appears that I am being penalized for being a responsible and proactive customer and would like this matter looked into further in order to help me resolve it. 
Thank you

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 2018-01-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I attempted to purchase a tribe membership with XXXX ( {$190.00} ) using my Chase Visa card. Payment was declined. I thought I might have mistyped my account information, so I reentered my information and tried to make the payment a second time. Payment was also declined for a second time. I eventually gave up and used my XXXX card to make the payment. I received an email receipt from XXXX that same day which clearly states that the payment was made using the XXXX card. 

When I got my XXXX statement in early XXXX, I saw that Chase billed me for the two unsuccessful payment attempts to XXXX. XXXX confirmed via email ( dated XX/XX/XXXX ) that they only received one payment for this transaction, the one on my XXXX for which they previously sent me a receipt as stated above. I immediately submitted a dispute for the two transactions ( attachments were not allowed ). Soon after ( date unknown ), I received a phone call from Chase and was verbally told that they would issue a credit for one of the transactions because it was clearly a duplicate charge. That credit appeared on my XX/XX/XXXXstatement issued in early XXXX and is the only credit of any sort that has been issued to date. I was also told that I would need to provide a copy of my XXXX bill via their online email interface to validate the payment via XXXX before the second XXXX charge could be credited to my account. I provided a copy of my XXXX bill ( Email dated XX/XX/XXXX ). Chase contacted me again by phone in XX/XX/XXXX ( exact date unknown ) and claimed they never received the copy of my XXXX bill, so I resubmitted it ( Email dated XX/XX/XXXX ). Both emails are still available in my Chase mailbox for them to review and Chase has sent confirmation of the receipt of both emails. 

As stated above, Chase has only refunded one of the two erroneous charges. They have refused to refund the second charge ( letter dated XX/XX/XXXX ), claiming that they talked to XXXX and XXXX confirmed that they were paid for the XXXX membership. This is true ; however they were paid by XXXX, not Chase. Furthermore, their rejection letter indicates that they intend to reverse the credit they previously issued so that I will still be charged for BOTH erroneous items even though XXXX never received either payment. 

This is all deliberate theft by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
I set up a payment plan with Portfolio Recovery for an XXXX XXXX account on XX/XX/XXXX. Amount due was {$480.00}, payments to be withdrawn from my rapid refund account every two weeks in the amount of {$40.00} starting date XX/XX/XXXX with final payment in XXXX. The first payment was withdrawn in the amount stated above, but then I received a phone call on XX/XX/XXXX at XXXX from Portfolio Recovery stating they did not show any information of a payment arrangement being setup. I received another phone call on XX/XX/XXXXat XXXX, reminded the caller that the calls they place are recorded and they needed to go back in their archives and review the information that was set up on the XX/XX/XXXX. 

Portfolio Recovery XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: Credit Karma, LLC
State: MO

Complaint narrative:
I had few of inquiries affected my credit to low credit that which they told me that will not affect of inquiries to my credits until I was checked my credit scores and I found out that I had many inquiries. No wonder I cant get approval for buying first time house. I am learned about it for inquiries. Please helping me to remove the inquiries out from my credit scores. So I can buying new house with my first time. 
Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I am not sure if my last request went through.I have been trying to get a loan modification from XXXX, Nationstar and now MR.Cooper. 
Was approved for a loan modification with XXXX but before I was granted a trial modification I was transferred to Nationstar. My hardship is a divorce after XXXX years of marriage.I have been trying to get a loan modification and I have tried at least 5 times. 
I have been at my job for over 25 years and I want to be able to stay in my home that my XXXX children live in and myself. 
My latest modification request came back as denied for '' Insufficient Monthly Payment Reduction. " -And I was told there are no other options for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: MO

Complaint narrative:
XXXX XXXX has reported a 30 day late payment forXX/XX/XXXX on my credit report. The account is always due on the XXXX of the month and I 've paid it every time since opening the card in XXXX. As usual I entered a payment online before the XX/XX/XXXX due date using XXXX XXXX 's website. I believe the system had an error and did not process my payment. I was unaware until I saw the late payment on my credit report. It was a small payment and I always pay at least the amount due. The limit on this card is {$500.00}. My name is XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: MO

Complaint narrative:
XXXX XXXX has reported a 30 day late payment forXX/XX/XXXX on my credit report. The account is always due on the XXXX of the month and I 've paid it every time since opening the card in XXXX. As usual I entered a payment online before the XX/XX/XXXX due date using XXXX XXXX 's website. I believe the system had an error and did not process my payment. I was unaware until I saw the late payment on my credit report. It was a small payment and I always pay at least the amount due. The limit on this card is {$500.00}. My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX Inquiry from XXXX XXXX, 2018 + Bank not mine XXXX not XXXX XXXX never late chase inqires not mine equifax and XXXX have ruin my credit i 've made every payment XXXX XXXX  reporting wrong amount with only owe them XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I feel i should be credited the {$25.00} i used to open this account. I am a struggling mother that was trying to get a loan so that i can manage to pay my bills until i am back steady. Now that i gave my information to a fraud lender thinking that i was going to get the loan, being that it was my first time applying for a loan online, I owe TD BANK over {$500.00} and that is money i dont have right now to even pay try to pay back. You can already see i was trying to get a loan to pay other bills. I was contacted by a fraud lender, told me i was approved from XXXX XXXX XXXX for {$10000.00} told him i only needed {$3000.00}, proceeded to tell me to go open a new checking account because my XXXX XXXX account was too overdrawn. So i opened to account with TD BANK and from there everything went down hill i didnt here from this fraud lender after i gave him my online banking info.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-14 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: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Reported a late payment for my mortgage back in XXXX 2015. This account has never been late and they have refused to correct the error. I 've been very patient with this matter but i 'm tired of them ignoring to fix the problem and it has affected my credit score in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: TX

Complaint narrative:
XXXX XXXX Inquiry from XXXX XXXX, 2018 + Bank not mine XXXX not XXXX XXXX never late chase inqires not mine XXXX and transunion have ruin my credit i 've made every payment XXXX XXXX  reporting wrong amount with only owe them 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