vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bass & Associates, P.C., Attorneys at Law
State: NC

Complaint narrative:
On or about XX/XX/XXXX my identity was illegally used to apply for a Federal Student Aid Loan. I did not sign for or apply for any loan with XXXX Universities or any Federal Student Officer. XXXX Universities created and process a XXXX Student Aid Loan fraudulently using my identity without ever having me sign a single document. Once they  received the loan from the Federal Government through the Department of Education, I was never told about it. Once I learned of this after a year later, I tried to resolve this identity theft loan issue with the College, however they knew they had been caught, so they blocked all access to this matter of course. The debt was disputed and once removed from my credit file, only to be replaced back on my credit file serveral years later through the Department of Education and and company called Bass and Associates. This loan is a " Well Known '' identity theft case, involving www.pin.ed.gov. a former Website that was identified as the conduit that identity thieves could very easily exploit. The Department of Education took action against this after receiving my certified letter to the Department of Education OIG on XX/XX/XXXX. On XX/XX/XXXX this website was shut down and a new process put in place called the FSA ID. Since I discovered this conduit, it's been a consistent battle to get this undisputed illegal debt obtained under false pretenses by XXXX Univesity with the US Department of Education fully removed from my Credit File. They are deliberately trying to maliciously attack my Credit Rating by placing this back against my Credit File and it is still affecting my credit to this day nearly 10 years later. This needs to be addressed and actions taken against those involved in this injustice. It is in direct violation of the FCRA and is a total fraud that was fabricated through a well known conduit for identity theft to occur through www.pin.ed.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I opened a Coinbase account with my wife back last year. I was living in XXXX XXXX at the time. I am a US citizen and have since moved back. 

I got a new phone and can not log into my Coinbase account. When I asked my wife to do the verification process by uploading her documents it doesnt work. 

I have tried on every available platform to contact customer service and keep getting the same canned answers. They say they will answer phone calls and its a bs system that doesnt answer anything. They have XXXX usd of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
The following accounts from XXXX inquirydate XX/XX/2019, XXXX  XXXX inquiry date XX/XX/2019, CITIZENS BANK inquiry date XX/XX/2019 does not belong to me and therefore I should not have an inquiry from it connected to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The following accounts from XXXX inquirydate XXXX, JPMCB CARD inquiry date XX/XX/2019, XXXX XXXX inquiry date XX/XX/2019 does not belong to me and therefore I should not have an inquiry from it connected to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
2019 has been a challenging year for me with a chapter XXXX, along with a loss in employment. XX/XX/2019 I had finalized a chapter XXXX resolving my debt, although it did not help when trying to get help from Ditech. I was behind on my mortgage informing Ditech of my situation the request to suspend my payments did not get approved along with requesting a home modification. I was delayed twice with the application by Ditech, stating i did not provide sufficient information, which is inaccurate. One blank page of my bank statement was not included, therefore flagging my application to be incomplete. Why is this important, bc it delayed my modification process. Well, based on what they have claimed, ditech would not allow for a modification due to one being implemented within a 1 year period. This makes no sense to me. They made me wait two months to tell me they would not grant a modification bc I had a modification within 12 months? This is inaccurate. It was over 12 month since my last modification and what does a 12 month timeline have to do with a request for modification? I believe this shows that I am willing to find a solution to solve my financial difficulty, in good faith that I want to stay in my home and pay my mortgage. My account needs to be investigated bc they never forgave my mortgage, the suspend a percentage of my mortgage and increase the repayment time over 40 years, leaving me with a heft lending rate and a heft balance. In addition to they placed my house into foreclose XX/XX/2019 and since XX/XX/2019 i have found secured employment, allowing me to now afford a mortgage repayment and bring my account out of foreclosure. My account is still shown open, the payment in back payments is shown that I can make a {$14000.00} payment to bring my account current, yet Ditech is indicating that there are " anticipated fees '' that is my responsibly? Wait, i am in the position to make a payment but now you want me to incur fees that i have not incurred? Do they want me to become current and stay in my home or are they trying to penalize me for falling behind and falling into financial hardship? This is a horrible feeling and as I try to resolve a financial deficiency, why am i being penalized for this and not allowed to make a payment directly to the bank? 

in addition to, how does Ditechs financial bankruptcy play into my mortgage?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Additional information ; I was recently denied employment I'm assuming because of my credit report and credit score. After investigation- accounts is still being reported inaccurately on my Equifax credit report. In XXXX of 2019 ( Equifax ) has initiated an investigation on the following Accounts ; however, the current report reflects absolutely no changes ( A violations ) ( Please see attachment for further details ) ( XXXX XXXX XXXX ) - account balance is inaccurate & unverifiable. First date of delinquency is not reported. A violation ( XXXX XXXX XXXXXXXX XXXX ) - reaged account, account does not reports ( first date of delinquency ) A violation ( XXXXXXXX XXXX XXXX ) account does not report last date of payment or first date of delinquency. A violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2019 I attempted to log into my account with Equifax to temporarily unfreeze my account because leasing a new car the next day. Unsuccessful! ( on first attempt to log in message " locked out because too many attempts '' ) After numerous tries with different telephone numbers finally reached a live person and told " system under maintenance ''. 
On XX/XX/XXXX, at the car dealer again after several attempts with different telephone numbers I was advised : " system under maintenance ''. Faxed the requested information to Equfax to unfreeze account - no response. Could not complete the transaction. That night finally reached a live person ( not an easy process ) and had a temporary lift of the freeze to complete lease process. 
Tried again to access my account on line to avoid problems in the future - unsuccessful. Numerous tries to talk with someone led to a repeat " system under maintenance ''. 
On XX/XX/XXXX, again tried to access on line without success. Spoke to a live person ( supervisor ) and told " system under maintenance ''. 
Through this entire saga attempted the usual fixes : cleared history, changed PW, used different browser. All unsuccessful. 
At no time during my live telephone calls was I asked for the pin number issued when first froze account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I paid the annual ( XXXX $ ) fee to American Express to link both my corporate card and personal card to receive membership rewards points. YTD I have not received any points associated with my Corporate Card although i have made all payments in a timely manner. I launched an investigation on XX/XX/XXXX with American Express after chatting with an online representative who confirmed they could not see any points related to my corporate card purchases in my online portal. Today, XX/XX/XXXX, I called AMEX to follow up on my dispute, I have been on the phone for 50 minutes and been transferred to 4 different people in the process. My issue is still outstanding and I would like to file a complaint. YTD I have spent 30k+ on my corporate card and am owed the points associated with these purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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 — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: MN

Complaint narrative:
I contacted the company on XX/XX/2019 to request a copy of my credit score through them and my credit report. The website indicates I will receive this information within 7 business days by first class mail. The credit score arrived at the end of XXXX ( XX/XX/2019 ) and the credit report has not yet arrived. The reasons listed for a " low score '' include limited history at phone number - which has been the same phone number for over 15 years. I have requested another copy of my report and have not yet received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One denied an application dated XX/XX/19 that I never even applied for this account and it says I have to wait 90 days to reapply. But I never even applied. 

Application ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My credit card balance was only {$800.00} when I fell behind and capital one is charging me almost 100 percent interested I also contacted capital one numerous of times for a copy of my contract to see how and why its so high of a balance in my credit and they have not sent me nothing on 6 months I been asking

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
JPMorgan/Chase has me listed as having two credit cards with them in the past, which I have never opened or applied for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On about XX/XX/2019, ,I Applied For A Personal Loan Again And Was Denied For The 20Th Time, ,I Really Don't Understand Why I Keep Getting Denied,,?? Yes Did Send Me A Credit Report Of The Agency To Contact But When I Call These Companies They Would Not Give Much Help,, Concerning These Matters, ,I 'm Very Disappointed About This Matter, And XXXX XXXX haven't Not Did They Job, ,Now I Have Complained About This Problem Before And Still No Help, ,Now I Know Do Some Type Of GOOD Credit To Be Able To Receive A Personal Loan, ,What Happened To My Credit?? That Is The BIG Question?? I'm Starting To Believe This A Form Of ( DISCRIMINATION )!!!!, ,How Can This Company Get Away With This Matter,!!!! My Opinion I Really Think This Company Is Responsible For Fixing This Matter, ,This Very UnAcceptable!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/19 a credit that posted to my account was taken back in the amount of {$75.00}. Instead of my account being negative {$50.00}, the bank back dated the funds and charged an overdraft fee for each occurring charge after the back date and placed a negative account balance of - {$160.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX I received a loan via capital one bank through a used car dealership in XXXX XXXX, XXXX, NY. The vehicle was fraudulently sold to me as it was flood vehicle. The vehicle also fell under the XXXX recall between XXXX. Capital one was aware of these activities and their offices reached out to me to investigate the sale of the vehicle. A representative insisted that she would follow up with me and never did. The car was not able to be used, I could not make the payments and ultimately it was repossessed. But because it was a flood vehicle and under a recall my presumption is that it was eventually demolished. The remaining balance of {$12000.00} has stayed in my credit report and no one from capital one followed up with me. I did reach out to the credit bureaus who have adjusted the deletion date of the auto loan to me XX/XX/XXXX at the earliest, but it is still hurting my credit and hindering my family from moving forward in other important endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Card : Care Credit/Synchrony Bank I received the card offered by my XXXX XXXX office. I was making payments over the min balance when I noticed that the balance was not decreasing as it should have. I called CC and was told about the interest of {$220.00} and another interest of {$790.00} due in XXXX. I would not have known about this if I hadnt called about the balance.

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 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was recently rejected for employment I'm assuming for the following reasons. ( please see attachment for further details ). 

Because of the multiple inaccuracies and violations on my credit report my recent employment application was denied for adverse action. This is the 4th time this has happened because of the multiple inaccuracies mentioned in my credit profile. 

( XXXX XXXX XXXX XXXX ) currently reports Unverifiable account balance & reaged account. A violation ( XXXX XXXX XXXX ) / XXXX XXXX XXXX  ; This balance is inconsistent but also Unverifiable, and inaccurate. A violation ( XXXX XXXX XXXX ) does not reports first date of delinquency a violation. 

( XXXX XXXX ) unknown account, Unverifiable ; violation ( XXXX ) -unknown account Unverifiable ; violation ( XXXX XXXX XXXX ) first date of delinquency not reported, last payment not reported correctly. Violation

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 2019-12-28 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: CA

Complaint narrative:
I received a copy of my credit report and the bankruptcy listed is not mine identified as such on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I have an account with Midland Credit Management, they are handling an old credit card that I had through XXXX. I went to make my monthly payment online and the XXXX system was down. I tried again the same day to make the payment online and was able to do so. However, I received a late fee. I disputed this fee but XXXX would not removed the fee. I refused to pay the fee due to this not being my fault. The fee 's kept building there after. Midland Credit Management took over my account and I disputed this charges once again. I then received a warrant in debt from Midland where I had to appear in court. I paid the account off in advance just to not have to go to court and possibly jeopardize my job. I stated that I disputed my account before the lawsuit, how could they sue me? I have paperwork showing that my account balance in {$0.00}. I just got a statement from Midland Credit Management stating that I owe them {$120.00}. Nobody with MCM can tell me anything about this debt owed now. I have paid all debts, I don't understand how you can sue someone if they are disputing the account and fee 's and the company wont even take a look at the account. I have suffered tremendously because of this company. They have put my job in jeopardy, caused unwanted stress, ruined my XXXX, and yet I cant even get help or an answer from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My credit limit was {$2000.00}. I was hovering around the {$2000.00} area because my fiance has been out of work since XXXX, we moved XXXX miles away from home and I am supporting a family of three alone. Since being approved for this card, my income has increased by {$20000.00} a year. I made a payment of {$400.00} ( when the minimum payment was {$100.00} or less ) on XX/XX/19 and then on XX/XX/19 my limit was decreased to {$1800.00} which has hurt my credit score and precludes me from getting a personal loan. Further, in XXXX, I made no purchases ( and haven't in months ) but the regular fee, interest and late fee pushed me over the {$1800.00} limit which I thought was illegal for a credit card company to do under the CARD Act to be maxed over your new limit by fees charged within 45 days of the decrease. 
I paid {$250.00} in XXXX to be under the limit again but am experiencing severe hardship.

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 2019-12-28 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: CA

Complaint narrative:
I received a copy of my credit report and the bankruptcy listed is not mine identified as such on my credit report

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 2019-12-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a copy of my credit report and the bankruptcy listed is not mine identified as such on my credit report

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