vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Account XXXX COMMONWEALTH FINANCIAL Account XXXX I have no idea who these companies are or what this debt is for. I have no written documentation, billing information or any details of these. I have disputed with XXXX  to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: VA

Complaint narrative:
I have asked Discover bank for a dispute and explained to them that I am victim of fraud of cooperation of two Companies of XXXX   XXXX and XXXX XXXX. But Discover bank after 2 weeks took it out of dispute with no explanation until I called them. Their reason was because it is aged.I also explained because of that fraud I am completely drained out of money, on top of that because of medical issues I am not able to work and and do not have income. They have come up with solutions that does not work for me and instead they have sent me letter, that they are going to increase the interest which will make my case even worst, I am already under a lot of pressure and sick and stressed out. for more explanation please see below : XXXX XXXX XXXX ( works ) with a crook XXXX XXXX company and acts as a fundamental customer funding tool, enabling XXXX to rip people off by providing credit cards to drain and pay to XXXX for easily trusting people like me. A year ago I trusted XXXX  and purchased their program which I didn't have money to purchase. A team of 5 representatives from XXXX XXXX were present in the event to hunt people like me that have no money and provide them with credit cards to make them to buy XXXX 's programs and in return charge/gain almost {$4000.00} in commission. As a result of their partnership, I am under {$60000.00} of debt in credit cards that am not able to pay back and has resulted in bad credit for years to ruin my life ( which before this my credit score was XXXX ). Only because of false hope that we are going to make triple of this amount in a matter of short time of 2 months. At the moment, there is a legal case taking place against XXXX XXXX in federal court in Florida that is filed by hundreds of victims like me. The following link is a proof of it. ( XXXX ) XXXX XXXX  was fully aware of the predatory nature of this company because they have been managing many of these events hand in hand nation-widely from before and carelessly cooperated with them to gain their lucrative commission. To me XXXX XXXX is as predatory as XXXX XXXX, because without XXXX   XXXX, XXXX would have been powerless and would not be able to prey on innocent people who believed in them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-28 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
This company claims there was a late payment made on or about XX/XX/2017. They still have not provided me with proof that I made this payment late. I have recurring payments to this company every month since the first day of the loan and have not missed any payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: AZ

Complaint narrative:
I took out a loan through XXXX. I received the money. I was struggling financially and could no longer afford the payments on other payday loans I also had taken out. I reached out to a debt relief agency. A Cease and Assist order along with PoA was sent to the company on my behalf from the debt relief agency. Since doing so, I have been receiving 5-10 calls per day from XXXX. I refer them back to the debt relief agency, but still receive multiple calls. It is becoming harassment at this point. I have attached the document specifically telling the company that they are no longer to contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: NY

Complaint narrative:
Transferred {$3000.00} on XX/XX/XXXX online from XXXX checking account to CoinBase a Crypto Currency company based in XXXX XXXX, Ca. 
On XX/XX/XXXX or XX/XX/XXXX CoinBase sent me an email informing me there was suspicious activity on my account and my account would be frozen for 3 to 5 days. The next day I got an email from them informing me my account would be frozen for 30 days ( calendar days not business days ) I was told by the phone rep of Coin Base. 

I have called them about 5/6 times for clarification and their phone reps were unable to offer any information about why or for how long my account would be frozen I informed them on one of these phone calls I want to close out my account and to send me my money back They said my account was frozen and they can not give me my money back until it is unfrozen. 
Yesterday, XXXX XXXX I was able to talk to a CoinBase supervisor and he informed me that my account would be unfrozen on XXXX XXXX. HE said that the amount of time my account was frozen was totally wrong and he would do his best to rectify my problem. He said he should have an answer for me by close of business XX/XX/XXXX ( yesterday ) I contacted him by email today XX/XX/XXXX to inform him of his not rectifying the problem and have not heard back from him I feel CoinBase has been less than honest or fair with me in this problem and I would like to file a formal complaint against them Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: IN

Complaint narrative:
On XX/XX/XXXX, I signed Vehicle Order and Lease Agreements for a New XXXX XXXX XXXX XXXX   with Honda Lease Trust/ Honda Leadership Leasing . The Vehicle Lease Agreement stating {$300.00} due on the XXXX of each month. This payment was made monthly and the last payment was made XX/XX/XXXX covering the XX/XX/XXXX payment. The next payment being due XX/XX/XXXX. 

On XX/XX/XXXX, through no fault of my own the XXXX XXXX XXXX was totaled. 

On XX/XX/XXXX, I signed Vehicle Order and Lease Agreements for a New XXXX XXXX XXXX XXXX   with Honda Lease Trust/ Honda Leadership Leasing . The Vehicle Lease Agreement stating {$320.00} due on the XXXX of each month and the first payment was made on that day XX/XX/XXXX. 

This payment schedule should have stared no sooner than XX/XX/XXXX, when the original next payment was due. With the {$320.00} paid on XX/XX/XXXX covering the first payment, the next payment should have been due XX/XX/XXXX. There was an overload of information presented and I was not aware of the new accelerated payment date, which I believe to be inaccurately early. I missed the accelerated XXXX payment. I was not spoken to by phone and saw no mail or email from the Leasing agency regarding this lapse of payment. 

I ended up making a {$650.00} payment for both XXXX and XXXX on XX/XX/XXXX. 

Because of this unjustly accelerated payment plan, my payment was just over 30 days late and thus reported to the credit agencies causing me to be rejected for loans I could easily carry. 

I spoke with the leasing agency and explained the situation and requested they remove the late payment and they said there was nothing they could do. I spoke to XXXX ( his supervisor XXXX ) they refused give me their last names or employee identification numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am an Identity Theft victim and I disputed a medical bill that is not mine and asked them to validate the account. I sent in my ID and other pertinent documents. After awhile they came back with " the disputed account is not reporting on the Equifax credit file ''. So What is the account on my report then? Since it is not mine I don't know the amount or date or anything. 
I want them to verify the account that is on my credit report for XXXX XXXX is mine and when they find out it is not I want them to remove it from my credit file. 
AND The event happened more than 7 years ago and should be removed from anybody 's credit file : Under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed and according to the Fair Credit Reporting Act Consumer reporting agencies may not report outdated negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Previous complaint ID : XXXX submitted XX/XX/18. 
Please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Student loans through Nelnet, being issued in chunks, each distribution is an individual loan. In my case I have 7. Payments are made as one sum which is a grand total of what's owed for each loan. If a payment of this sum is missed or late. It is reported to the credit bureaus as 7 individual hits. So because of one missed payment your credit is hit 7 times. Which means your credit scorXXXX could be dropped 80 points from one late payment. This does not seem like a proper or fair practice of reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: NY

Complaint narrative:
This company claims there was a late payment made on or about XX/XX/2017. They still have not provided me with proof that I made this payment late. I have recurring payments to this company every month since the first day of the loan and have not missed any payments.

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 2018-11-28 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: NY

Complaint narrative:
This company claims there was a late payment made on or about XX/XX/2017. They still have not provided me with proof that I made this payment late. I have recurring payments to this company every month since the first day of the loan and have not missed any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: NY

Complaint narrative:
This company claims there was a late payment made on or about XX/XX/2017. They still have not provided me with proof that I made this payment late. I have recurring payments to this company every month since the first day of the loan and have not missed any payments.

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 2018-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
in XX/XX/2010 i took out loans of XXXX dollars. I lost my job and dont have steady income currently. Nelnet wants tax forms I dont have. Once i get a job i will go be making on time payments. just looking for a little good will while. I get back on my feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: AES/PHEAA
State: IL

Complaint narrative:
XXXX, XXXX, XXXX  and XXXX fail to update my credit report reflecting the attached XX/XX/2018 forbearance letter. All credit reports show XX/XX/2018 as 90 days late and XX/XX/2018 as 120 days late on all four XXXX, which is inaccurate because I was approved for forbearance during this time as indicated in the XX/XX/2018 XXXX letter. Please instruct all credit bureaus to update my credit file as indicated with forbearance letter immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I've been in contact with XXXX since XX/XX/2018 due to the incorrect reporting of my loan structure and misinformation during the time of my loan setup. 
The first issue is my loan is being reported on my credit as three separate loans based on disbursement when the online XXXX website two balances. Group A and Group B ( Which you would think means 2 loans ) However, after missing 6 months of payments which I thought would only be 6 missed payments- I've now received 18 missed payments for those 6 months and I was never told that I had three loans. Online it actually only shows that I have two groups ; meaning two loans. I was never told that my one payment was being dispersed to three different loans and If I missed one payment I would miss a total of three because I thought that If I was paying off three accounts I would have three payments coming from my card and not one.

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 2018-11-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I've been in contact with XXXX since XX/XX/2018 due to the incorrect reporting of my loan structure and misinformation during the time of my loan setup. 
The first issue is my loan is being reported on my credit as three separate loans based on disbursement when the online XXXX website two balances. Group A and Group B ( Which you would think means 2 loans ) However, after missing 6 months of payments which I thought would only be 6 missed payments- I've now received 18 missed payments for those 6 months and I was never told that I had three loans. Online it actually only shows that I have two groups ; meaning two loans. I was never told that my one payment was being dispersed to three different loans and If I missed one payment I would miss a total of three because I thought that If I was paying off three accounts I would have three payments coming from my card and not one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I have no information about this company or this debt. I have not received notification or billing information and have no idea who this company is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Promised to pay full amount on XX/XX/XXXX. Was accepted by Synchrony bank. Barely over 1 month behind on Care Credit. 

No less than 4-6 calls PER DAY during my work day. Violation of debt collection practices.

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 2018-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
My company has increased the escrow amount of my mortgage because of an error on their part and continually refuse to look into it. I recently received a letter form the Tax Collectors of my City telling me that my taxes were delinquent due to non payment. Since this is included in my mortgage payment, I immediately called my mortgage company to have this investigated. A few weeks later, someone from the mortgage company called me to inform me that the payment to the tax collectors office was made to an erroneous account hence it was not credited to my parcel and that this was being taken care of. A year later, I got a notice from the mortgage company along with my escrow analysis report saying that my mortgage payment was being increased due to a deficit. Upon review of the escrow analysis report, I noticed that the taxes for the first year was paid twice and past the delinquent point. Again, I called the mortgage company several times to resolve this, I keep getting the run around and no one has been able to help me resolve this. It now has been more than a year trying to get this fixed to no avail.

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 2018-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Hello, I have been trying to get my plan lowered. I initially mailed the documentation with all of the questions answered proof of income etc. Two months ago and per Nelnet I did not sign the documents. So Nelenet send me an email telling me this and sends the documents back prefilled and tells me I just need to sign and return. I did this the same day. I was under the assumption the documentation from the first round combined with the signature from the second round would be sufficient to process my request. 

So today I get another email from them saying now I need to answered the questions again which I have already one on two different occasions. So keep in mind I am sending this request because I can't afford the payments and each time they are telling me to wait it is ok please give them 15-20 days to respond. Keep in mind they report items after a certain time frame. 

One would assume that once they receive all documents it would be processed because I meet the requirements. Returned the documents twice. Now a third time and not only has this not been processed but also they have hit my credit report with a 90 day delinquency. Which in my opinion if you are sending the documents. I am complying with their requests my account should not be reported until this is resolved. 

So not only have you not processed my request but made my credit score take a hit and that is not fair on my end when I have complied and sent back the info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
Cascade capital LLC has filed a lawsuit in Texas stating I owe them and I have never even been contacted by them in any way until I was served with court documents. They have not attempted any collection efforts. I have had the same mailing address for 19 years and a separate physical address for the last 4 years and have 4 phone numbers in my name and have not received one call concerning or identifying this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: TN

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-11-28 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: TN

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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