vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In Spring '19, I last attended Florida XXXX XXXX and I called Navient to inform them that I needed my account on forbearance until I went back to school. I was told on a recorded line that it had been escalated to be resolved. However, in XXXX of this year I saw a very hard drop in my credit scores due to the account never being put in forbearance. I then called and explained I never received any calls, statements or any notice of me being late on any payments, where I got tacked on with 17 late/missed payments. I am beyond upset where now this is causing me financial hardship and I'm unable to attend school at getting a further education where I'm being denied access to funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: AFNI INC.
State: NV

Complaint narrative:
Company : AFNI Fraudulent credit reporting. On XX/XX/2020, I received notifications from XXXX  and XXXX  that my score dropped 43 points, and a brand new debt of {$140.00} for " XXXX XXXX XXXX XXXX XXXX' had been fraudulently created. The notification indicated that the dates of collection were from XX/XX/2020, to XX/XX/2020. These dates happen to match the exact same dates being reported by other complainants. 

These accounts were never created by myself. The charge for {$140.00} is fraudulent, and the credit score impact is unwarranted and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hi i deposited {$250.00} to my coinbase account from my XXXX XXXX XXXX bank account. 
The deposit failed " due to insufficient funds '' I had in person deposited cash into my bank. 
Later I noticed the cash was withdrawn from by bank account but did not show up in my coinbase account. I've contacted support but its been weeks with no resolution. Case # : XXXX I confirmed the missing funds by adding up all my bank 's coinbase deposits and all my coinbase purchases there is a difference of my {$250.00} deposit. I dont know which deposit is was. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I refinanced a home loan from FHA to conventional. XXXX will not remove the debt off all 3-credit bureaus. I have complained several time and nothing is being done. You can't call XXXX because it's a total circus!

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 2020-06-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I refinanced a home loan from FHA to conventional. XXXX will not remove the debt off all 3-credit bureaus. I have complained several time and nothing is being done. You can't call XXXX because it's a total circus!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I refinanced a home loan from FHA to conventional. XXXX  will not remove the debt off all 3-credit bureaus. I have complained several time and nothing is being done. You can't call XXXX because it's a total circus!

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 2020-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been monitoring my credit through XXXX XXXX as Ive been trying to pay off everything. I noticed that my TransUnion score dropped 35 points in one day. So I called TransUnion. They proceeded to tell me my account was inactive and they couldnt provide me with any information about my score. They couldnt explain to me how it was possible why it was marked inactive, but she eluded that it would become active if I was paying for monitoring. I refused to pay then I was told to dispute online, which I proceeded to do only to find they want my credit card information. They will not help me at all without payment. I have also tried to find a phone number to speak to someone at credit karma without success. Im trying to fix past mistakes and get my credit in order only to find out that Im at the mercy or orgs that dont really want to provide any customer service. What are my options?

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 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hello I would like to add my bank account so I can retrieve my money but it wont let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This complaint involves XXXX accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on Trans Union Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted XXXX and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided XXXX all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING  AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and Trans Union have failed to do either.

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 2020-06-02 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This complaint involves XXXX accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX XXXX Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted XXXX and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided XXXX all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided USAA the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and XXXX XXXX have failed to do either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TN

Complaint narrative:
This complaint involves XXXX accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX XXXX Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted XXXX and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided XXXX all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and XXXX XXXX have failed to do either.

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 2020-06-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
This complaint involves USAA accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX  Credit Report XXXX. I am disputing the accuracy and legitimacy of these account charges. When they initially surfaced, I contacted USAA and advised them that both me and my wife were identity theft victims and that we had not made these charges. Subsequently, I provided USAA all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided USAA the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my wife had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, USAA refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I met with similar results with our XXXX XXXX XXXX XXXX Acct XXXX. XXXX XXXX XXXX XXXX has repeatedly stated they are under no obligation to conduct any subsequent investigation. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. USAA, XXXX XXXX XXXX XXXX and XXXX  have failed to do either. I demand to be provided the results and a copy of the actual investigation conducted on each of these matters, contemporaneous to the event and report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have a Victoria Secrets Credit Card. I forgot make a payment and that affected badly my credit score. I never received a call or a statement from them to remember me a debt. I paid in full a ballance and told them to please erase the report on my credit bureau but they said no. I never paid late any account after my bankruptcy. Is very hard maintenance my healthy score and this people affected to me badly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit card company has a security policy in which I am to be notified immediately of any unusually large charges and/or of any instance where a charge is declined. Had they followed these policies I would not be in the situation I am in. 
I was in a position where I needed last minute flights home from XXXX. I attempted to buy tickets online but received an error notice before the transaction completed. I received no confirmation from the merchant or my credit card company so I was certain the transaction had failed. As an alternative, I purchased tickets for the same flight at an airport travel agency.. 
Shortly afterward, I received a call saying my credit card was declined and that my flight was full so would need to be rebooked on another airline. I approved, assuming it was an rep of the airport travel agency. 
It actually was the online merchant calling, so as a result I purchased a second set of flights I received no notification that my card had been declined OR that there were {$10000.00} in charges put on my card that day. In fact, when I called to clear the charge, there was only one {$5000.00} charge listed as pending. 
I have been disputing this for almost 2 years now. At one point a Chase customer service supervisor conceded that I should have been notified that the first charge was declined ( he said that there was no record of charges declined that day ) and of the large international charges. He said that my problem was that Chase paid the merchants before fully investigating. He also told me that there was a note that the case was closed because I had not provided enough information, but he could see that I had submitted all the necessary documents. 
Had they given me notification that I had 2- {$5000.00} charges that day or that the charge to the online merchant had been declined I would not have made this error. Either the online merchant committed fraud by lying about my card being declined or Chase failed to notify me of the issue. 
I understand this situation is very complicated, but had Chase followed their own security policies I would have been protected from his costly error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report, which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Bank of America {$360.00}

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 2020-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I first looked into refinancing my private student loan with SoFi because they offered a co-signer release, which made sense at the time ( XX/XX/XXXX ). I spoke to their Customer Account Specialist and they worked alongside me and my ex fiancee. They explained as long as I made payments on time, I would be able to release the co-signer on my loan. About a year or two into this loan, they no longer offer this option. I am not with my fiancee anymore and would like his name released. 

I've applied for Covid-19 assistance ( in XXXX and XXXX ), and have only been able to get a 30 day forbearance when they offer up to 90 days. I am also out of a job, and I don't know how I'll be able to pay {$1000.00} on top of rent, phone, car, insurance, credit card and other utilities. 

They've also denied ( XX/XX/XXXX ) my application for deferment while I'm in-school. I've accepted to enroll in graduate school this summer. However, if I ask for any assistance, forbearance, or deferment my application gets denied. I'd like to be able to make payments when I'm employed full-time. I don't see how SoFi expects me to pay my student loan, when I don't have a steady income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TN

Complaint narrative:
This complaint involves XXXX accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on Experian Credit Report XXXX. I am disputing the accuracy and legitimacy of these account charges. When they initially surfaced, I contacted XXXX and advised them that both me and my wife were identity theft victims and that we had not made these charges. Subsequently, I provided XXXX all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my wife had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I met with similar results with our XXXX XXXX XXXX XXXX Acct XXXX. XXXX XXXX XXXX XXXX has repeatedly stated they are under no obligation to conduct any subsequent investigation. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX, XXXX XXXX XXXX XXXX and Experian have failed to do either. I demand to be provided the results and a copy of the actual investigation conducted on each of these matters, contemporaneous to the event and 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 2020-06-02 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA Collections Account # XXXX Balance {$66.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX Date - from XXXX XXXX XXXX Stay My insurance XXXX XXXX XXXX paid the claim & I paid the {$200.00} deductible. I submitted via e-mail the paid claim to AWA Collections on XX/XX/XXXX. 
I was never notified by phone or e-mail that I was going to be taken to a collection agency prior to this claim being filed by XXXX XXXX in XXXX XXXX, CA. ( XXXX XXXX )

Company response to consumer: Closed with explanation