vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-02 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: NC

Complaint narrative:
I have reached out to XXXX to discuss inaccurate posted information that has been reported to my credit bureau ( s ) with no actions taken to correct the inaccurate information by XXXX. 

My student loans have been unfairly and inaccurately posted 90 days late to all 3 credit bureaus and XXXX will not remove the incorrect information after numerous phone calls and letters being sent to the XXXX credit department. 

I feel that my loans have been unfairly and inaccurately reported because I was never notified via US Mail nor telephone call by XXXX. My loans have always been in deferment since my departure from University due to health issues related to me being XXXX XXXX XXXX XXXX and issues surrounding my XXXX XXXX injury. 

XXXX is saying I was 90 days late and the only reason I found out about this information is that I was alerted when my credit score dropped over 390 points one day. Unbeknownst to me, XXXX is stating that the sent me a message to my inbox on XXXX  website. I do not check this website ever, never have. And no one has ever told me that I need to check this website on a monthly basis to check the status of my account with XXXX. 

XXXX unfairly reported me to the 3 major credit bureaus and has ruined my credit to the point I may not be able to move from one apartment to another this summer when my lease is up. My score went from a XXXX to XXXX overnight because of their unfair billing tactics and failure to properly notify me that my loans were no longer in deferment. 

Since the unfair credit reporting incident. I have filed multiple applications with XXXX in order to get my account back into deferred status. This process is lengthy and time-consuming and all computer-based meaning you are unable to speak directly to a human being in regards to the status.You just have to wait. This unfair process caused me to accumulate more late months because their process is slow and unfair. After three months of trying to get my accounts current and back into deferred status, I was denied and I was able to submit an Income-driven repayment plan of which I was ultimately approved for. Monthly payments are now {$0.00} for the next 12 months based on my current income. 

I reached out to XXXX and told them about the inaccurate reporting and they have denied multiple requests to withdrawal their inaccurate and unfair reporting to the credit bureaus and I feel this is completely unfair. 

Please assist me in having XXXX remover the Negative reporting for all of my loans that have been reported to ; Experian, XXXX, and XXXX. 

Thank You 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 2018-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Associates, Inc.
State: IL

Complaint narrative:
This is a complaint about Delta Management Associates ' response to me in a prior complaint : XXXX. 

The company Delta Management asked that my employer return their form. 
All options provided on the form imply that the person they are collecting on has or does work at my employer. In fact, a person with the SSN they are collecting on has never worked at my employer. The form they want my employer to fill out lacks any such response option.

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 2018-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XXXX XXXX I opened a XXXX XXXX XXXX card which advertised an annual {$300.00} travel credit benefit. On XXXX XXXX, XXXX I used the card for a travel purchase and received a {$300.00} credit from Chase on the same day. Given it happened within XXXX I believed the credit should be counted towards XXXX and I would be eligible for the credit again for XXXX. However, after I used the card multiple times for travel purposes in XXXX I did n't receive any credit. On XXXX XXXX, XXXX, I contacted Chase about the issue. The customer representative explained the XXXX XXXX, XXXX travel purchase and the corresponding {$300.00} credit in fact counted towards XXXX because even though they happened within XXXX they appeared in XXXX XXXX statement. 
At the time of opening the account, I did not receive any explanation that a difference between the date of a transaction and the date such transaction appears on the statement would have a critical impact on how the travel credit would be applied. Such subtle difference, even disclosed clearly, would be extremely confusing for a consumer to understand and manage. Such misleading advertisement directly led to my financial loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-02 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: PA

Complaint narrative:
Transunion and XXXX is currently reporting 2 collection accounts that i have no knowledge of. I was never given a DV from either company and they are incorrectly reporting on my credit file. 

XXXX XXXX - i disputed this account with the CFPB and the company also stated that they have no accounts reported. but its being reported by Transunion ( doc attached XXXX XXXX XXXX - also is another collection being reported and i have no knowledge of and was not given a DV

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 2018-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I was under contract with XXXX XXXX from XXXX to XXXX I completed my obligation and sent the final bill on XXXX/XXXX/XXXX for the amount of {$100.00}. I included the final payment and the phone in the same envelope and sent the payment and the phone as directed by XXXX representative " XXXX " on XXXX/XXXX/XXXX The package was opened and the check was cashed by XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I rec a request for payment from XXXX for the amount of {$220.00} for the Phone I contacted XXXX and Informed Their customer service of the actions taken to return the phone and to make the last payment as required. XXXX stated they did not received the phone. I informed them of the procedures I took to complete my obligation of the contract.. It would make it very difficult to cash the check without taking the phone, Bill and Check out of the same envelope I received several correspondence from XXXX over the next several months providing them the same information. All correspondence with XXXX received after the contract was " this issue has been resolved ''. This was not true. I received several letters from XXXX XXXX XXXX { Collection agency ) company and informed them of the situation. No resolution from the collection agency. This agency stated it has to be resolved with XXXX and wanted a partial payment to resolve this. I refused to make any payment for Items that have been returned. Thank you 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 2018-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is getting rich on the backs of poor, and unwilling victims. 


I have requested that transactions not be honored if inadequate funds in account. I wish not to accrue overdraft fees. I opted out of this service and am being charged these fees despite my objection to the service. 

I am being told that there is not option but I was asked if I wanted to decline tis service and have several times. I do not want transactions to clear where there are no funds available to cover the transaction. I do not wish to pay those overdraft fees.

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 monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Back in XXXX 2014 my friend an I had an apt and we got out 2-3 months prior to the lease ending. We never got evicted or anything like that for missed payments. We were told to go to court were the files and charges were dropped. Therefore the claimed is not licensed to collect debt. Therefore this information is not correct or to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: PA

Complaint narrative:
XXXX and Equifax is currently reporting 2 collection accounts that i have no knowledge of. I was never given a DV from either company and they are incorrectly reporting on my credit file. 

XXXX XXXX - i disputed this account with the CFPB and the company also stated that they have no accounts reported. but its being reported by XXXX ( doc attached XXXX XXXX XXXX - also is another collection being reported and i have no knowledge of and was not given a DV

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My father used my credit card by mistake for over 20 years. XXXX Credit Card never verified that the person who uses my card were a different person ( My father XXXX years old with XXXX ) My father ruined my credit on XXXX 2017. The late payment was the reason why I knew my father used my Social Security to get a credit card almost 30 years ago. I called the credit card company and spent 3 days trying to block the card, finally after humiliations by customer service we finally get the card blocked. My sister who is my father representative called the credit card company too and explained the issue. I recorded the call for my records and they blocked the card. But, I need the Credit Card Company send a letter to the credit Bureau clarifying this issue and requesting to return the points to my credit report. It is all I ask for a complete reposition of my fair points in my credit report. I made this complaint before, but XXXX credit card, responded with a false statement " they did n't know if the credit card were used for a different person. They knew perfectly who were using the card and were they send the statement for over 20 years. 
Please help me.

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 2018-01-02 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: OH

Complaint narrative:
On XX/XX/XXXX, I rented a car from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX branch ) for a 7-day period. On XX/XX/XXXX, after I had stopped at a gas station on my way to return the car to the rental office as scheduled, the fuel injector broke. I called the XXXX customer roadside assistance, who towed the car to a mechanic. A month later, I received a {$1700.00} charge on my Chase XXXX XXXX credit card from XXXX, who were under the assumption that I had the car from XX/XX/XXXX to XX/XX/XXXX ( the amount of time between when the car was towed to the repair shop and when the car was fixed/returned to XXXX ). As stated above, I only had the car for 7 days, from XX/XX/XXXX to XX/XX/XXXX. I have tried unsuccessfully to dispute this charge with Chase three times : ( 1 ) once prior to receiving the receipt from XXXX ( at which point I had no idea why I was being charged so much ) ; ( 2 ) a second time after I received the receipt from XXXX ( but it was in French so I misunderstood some of the charges for which I was in fact responsible ; and ( 3 ) a third time after I went through the receipt and XXXX 's response, and provided proof that I could not have had the car after XX/XX/XXXX. 

I am filing this complaint against Chase for the {$900.00} ( a portion of the {$1700.00} charge ) that remains on my account. Chase has failed to acknowledge that I am not responsible for the cost of the rental car between XX/XX/XXXX and XX/XX/XXXX, when it was in the repair shop, nor that I am not responsible for the cost of the deductible ( because the breaking of the fuel injector was not my fault - in other words, XXXX rented a car with a mechanical issue to me ). Chase 's most recent correspondence to me, dated XX/XX/XXXX ( after my third dispute ), stated that they were not successful in contacting the merchant to negotiate a credit. 

The document " XXXX receipt '' is the receipt from the rental car company, which I got after my first dispute with Chase. The document " XXXX '' shows that I withdrew money from a bank in XXXX, XXXX on XX/XX/XXXX, after I flew there from XXXX. ( Given that a one-way trip to XXXX is more mileage than what the XXXX receipt shows I drove on the rental car, it was impossible for me to have driven the car all the way to XXXX and to still have it on XX/XX/XXXX. Thus, this document proves that I could not have had the car between XX/XX/XXXX and XX/XX/XXXX, as XXXX claims. ) The document " Chase dispute 3 ''  is the letter I sent Chase, along with the XXXX receipt and " XXXX '' document, to file my third dispute ( for {$900.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: FL

Complaint narrative:
On XX/XX/XXXX I placed my objection to Credit Report issued by Experian showing an account with XXXX with an outstanding balance of {$480.00} still remained unpaid and thus affecting my credit score for which other financial Institutions declined their financial services. 

I sent in my dispute of that false information and submitted copies of the settlement offered by XXXX XXXX XXXX XXXX in behalf of XXXX back on XX/XX/XXXX, as well as copies of payments cancelling my debt as of XX/XX/XXXX ( that is TWO years ago ) as it can be proven with the attached documents.and requested Experian to delete this item from my credit report. 

Furthermore I spoke to Experian Customer Service about the dispute initiated and they only limited to tell me that I had to address my concerns directly to XXXX for which I rejected this procedure because they were directly involved in the lack of accuracy in my credit report and they were making business selling that information. 

Finally the most weird response came from Experian telling me that they can not honor my request alleging that because you did not provide sufficient identification information for us to verify your identity or the information you provided was not legible ( see attached letter ) I also spoke to XXXX  Customer Service and as per their instructions I faxed them the same documentation sent to Experian and toi this present date the issue remains unresolved affecting deeply my good record

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 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Hello - This complaint is in reference to my account with Coinbase. I have several thousand dollars invested in Bitcoin ( BTC ) via Coinbase. I bought in several months ago, and have done well. 

I attempted to sell off my Bitcoin on XX/XX/XXXX ( at its height, approximately $ XXXX/BTC ).  However, I was prevented from doing so, due to Coinbases horrendous 'identity verification ' system. 

When I try to sell anything over {$5000.00} worth of BTC, Coinbases system requires that I enter various personal information ( name, address, profession, employer, etc ), and then answer several multiple-choice questions related to my past/ID. All of this is apparently checked against whatever ID data they relate to me, so as to verify my identity. 

Well, every time I do this, always entering the correct information, Coinbase claims that my answers are incorrect, or that my ID ca n't be verified, and to try again in one day. I 've been doing this daily since XX/XX/XXXX. 

One thing of note ; on several occasions, the multiple choice quiz included info that is clearly related to my Father, and not me. I am a XXXX, so they may have data that is conflated with my Father 's - in which case, there is no way I can ever be verified, and therefore, can never get my $ out of Coinbase ... 

So, a couple weeks ago, I found that Coinbase could verify my ID via a photo of my Drivers License. So, I did this. And, Coinbase claims that my ID has now been verified via my Drivers License. HOWEVER, it still requires that I do the same ID verification if I want to sell any significant quantity of BTC. So, I have no idea what the issue is. 

I have managed to sell as much BTC as Coinbases system allowed ( approx. {$4500.00} worth ). But, I can not seem to find any way to sell any more, and I have approx. {$10000.00} still locked into their system due to this ID verification issue. 

I have contacted Coinbase, insofar as they are contact-able. I 've used their support system, so far getting only automated, useless responses. I 've searched online for solutions, and it appears that many people have encountered the same or similar issues, none of which can offer any solution but submitting complaint to CFPB and/or legal action ... 

So, any help on this issue would be appreciated - all I want to do is sell my remaining shares of BTC, just to get my $ out of this buggy system. I obviously am quite angry about the fact that I have lost out on significant profits, since I correctly guessed the top of the BTC surge, but was hampered from harvesting those profits by Coinbases horrendous ID verification system.

BTW - My Coinbase account is associated with my email address, and they can find me using that. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been forwarded from XXXX to Navient for my loan service and it seems the information was transferred incorrectly. They have it noted that I am to pay loans ( XXXX ) for XXXX XXXX XXXX  XXXX back which was taken out on X/XX/2007. The issue is, I did not attend XXXX in 2007. I  was attending XXXX XXXX University. They have it incorrectly listed ( which leads me to wonder what else is wrong ) but I called them to have it fixed before I started paying on the loans. I spoke with someone and was forwarded to a hold where it said I had a minute wait. After waiting 20 minutes on hold, I finally hung up and called again. After explaining the situation and possible resolution to the lady I spoke with multiple times, she said to hold for her supervisor, then came back on the line and hung up on me. I just need this resolved and have been working way to hard to fix this and they 've made it nearly impossible to work with. I have spent the greater half of my work morning on this. They have no email address to contact if there 's an issue and it seems like they always have a " poor connection '' via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i was charged on my credit card by a XXXX for a XXXX i did not want or was informed about, i put the charge in dispute with capital one and thye did nothing to help it i was also injured by the XXXX and had to seek medical care i disputed the charge and they found in the XXXX s favor even though i sent them a mountain of evidence that the XXXX is a a thief

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
OnXX/XX/XXXX I received a copy of my credit report. On that report was a collections from XXXX XXXX XXXX XXXX XXXX. I notified XXXX I was never given written notice to dispute this debut. On XXXX I wrote a letter asking for XXXX XXXX XXXX to supply me with the following information : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent I was not mailed the required information for validation of this debut per my request. This company isnt authorized to collect in my state. This company has violated my federal rights on several occasions and isnt above the law. 

XXXX is reporting this as verified, but hasnt sent me the information used to validate this debut. This debut isnt mine. Its been over 30 days without validation.

Company response to consumer: Closed with explanation