vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-15 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: Army and Air Force Exchange Service
State: CO

Complaint narrative:
I am writing to you today to dispute the recent reporting of my Military Star Card account to the credit bureaus. I am not disputing the balance on the account or any individual charge on the account. Instead I am disputing the way the account was recently reported to the credit bureaus. The initial account balance of {$0.00} is incorrect. I have had this particular account for many years and, unfortunately, there has been a steadily increasing account balance from one month to the next. 

In XXXX of this year, I contacted Military Star Card customer support to ask to have an authorized user on the account removed. I was informed that their system does not allow for an authorized user/card to simply be deactivated or suspended. Instead, the account has to be closed and a new card is issued to the original account holder. I confirmed that today with another call to Military Star Card customer service. What I was not informed of however, was that the closing of the joint account and subsequent establishment of a new account would have a SIGNIFICANT ADVERSE IMPACT on my credit report and credit score. With the change in the account number, Military Star Card reported my initial balance on the account of {$0.00}, but when looking through the history of the account, there has ALWAYS been a balance on the account. 

In just over one month, because of the way Military Star Card reported the change to the credit bureaus, my credit score went from Good credit with a score of XXXX on XX/XX/2019 to Fair credit with a score of XXXX on XX/XX/2019. 

My reported balance went from {$0.00} to over {$7400.00} IN ONE MONTH!! This is incorrect, inaccurate, and I demand a correction to the reporting of this information of my account immediately. I have included my XX/XX/2019 and XX/XX/2019 statements that indicate the change in the account number AS WELL AS A DECREASE in the balance of the account. Due to the inaccurate reporting of the change, my credit score, and my ability to receive reasonable credit terms has been negatively impacted through no fault of my own. 

Sincerely, 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 2019-11-15 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: CA

Complaint narrative:
This complaint is about XXXX  XXXX XXXX  keep reporting to credit bureau about the account that is not belong to me, I have only noticed this late payment recorded when I looked up my recent credit report on last XX/XX/XXXX, I immediately write the dispute with all three credit bureaus to correct this infomation and placed fraud alert on my credit report, this account is the result of Identity theft. Only Equifax cames back with the account info is verified other two bureaus already removed this account, I never get any document show me how do they verified this account is belong me, It has been more than 30 days and XXXX XXXX XXXX never show me any proof to verify this is my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I have had an account open with Alliant Credit Union since XXXX of XXXX ( over 12 years ). In XXXX of XXXX, they closed my checking account without any prior notice. 

After 3 calls with customer support ( 3 days in a row ), they refuse to tell me why the account was closed, citing that they thought that I had used the account for business purposes hence violating the terms of service, but only a person in the responsible department can answer the exact reason. This was strictly my personal checking account, never used for business purposes, but they refused to tell my the reason they thought I violated the terms. 

Every time that I called in, they stated that the department in charge of shutting down my account was " busy '' and would call me back. I never received a call back and all of my external accounts are not getting paid now ( mortgage payments, credit card payments, etc ). 

They claimed that a letter was sent to me months ago warning that the account would be closed, but it was never received. I check every letter from the banks, and definitely did not receive a letter about this from Alliant. Also no phone calls, emails, texts. No communication that my account would be closed so it was a big surprise to me, and now I am left frantically working to open a new account with a different bank to transfer funds to make my scheduled payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: DC

Complaint narrative:
Ability Recovery Services is trying to collect a write off debt of XXXX for XXXX University. A XXXX University Instructor hid the students grade until the end of the semester. While submitting every assignment on time throughout the course, the grade reflected an A grade average without any missed assignments. Without indication that any assignments were not received by the instructor, the final grade was posted, the instructor gave the student a grade below average and refused to allow the student to resubmit the assignment. The financial aid office returned the studentss federal payments accusing the student of not completing course work causing a negative balance on the students account. XXXX University has refused to give the student an unofficial transcript and have posted student federal refunds on the account not verified by the student or validated by the course work.

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 2019-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I pulled my credit report on XX/XX/XXXX XXXX and discovered there was two collections in my report from XXXX XXXX XXXX, XXXX and two hard inquiry 's. On XX/XX/XXXX XXXX I sent a letter to XXXX XXXX XXXX, XXXX which they received on XX/XX/2019. The letter will be on file. I asked XXXX XXXX XXXX, XXXX for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. I received a letter from XXXX XXXX XXXX, XXXX, but they did not give me what I asked for.They did not show me any proof that I owe this monies, but a letter stating my name, account numbers, and a balance. I am forwarding all my letters for you to see and XXXX XXXX XXXX, XXXX to see just in case they claim they didn't receive my letters. I have already filed a complaint on XXXX XXXX XXXX, XXXX with CFPB .The complaint number is XXXX which Portfolio XXXX XXXX XXXX XXXX   resolved account number ending in XXXX by saying that they are removing it, but did not resolve the hard inquiry 's and account number ending in 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 2019-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I received written notice from Freedom Mortgage Corporation on XX/XX/19 that servicing of my loan from J.G. Wentworth Home Lending, LLC was transferred to Freedom Mortgage effective XX/XX/19. Their notice indicated I needed to make all payments after XX/XX/19 to Freedom Mortgage, but they did not send me notice until XX/XX/19! I already made my current payment to JG Wentworth for XX/XX/2019. I have tried calling Freedom Mortgage, but their wait times are 25-30 minutes. I tried emailing through their online system, but their system limits characters so that only a brief sentence can be sent! Freedom Mortgage has gone out of its way to make themselves inaccessible to customers. Freedom Mortgage needs to get the XX/XX/XXXX payment from JG Wentworth since I paid them on time and neither Freedom Mortgage nor JG Wentworth gave me reasonable notice. ( Actually, JG Wentworth has yet to send me any kind of notice. )

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 2019-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MA

Complaint narrative:
I'm concerned about my education loan provider, Fedloan Servicing, as they they are not responsive to my inquiries, and have miscalculated the total number of payments I have made, which makes me doubt whether they will ever allow me to achieve public service loan forgiveness ( PSLF ). 

For example, Fedloan does not provide users with the number of qualifying payments they have made, you have to request that information, after which it takes them 8 months to get the numbers. When they sent me the number of payments 8 months after I inquired, the number they provided was lower than the actual number of qualifying I have made. When I asked them if they needed any more information to correct the number ( e.g. bank statements, invoices ) they stated that they would get back to me. This was in XXXX ( 6 months ago ) and after contacting them since then I still haven't heard a word. In the meantime, they are of course still contacting me regularly to make monthly payments ( which I have continued to do ) and requested that I submit the paperwork to re-certify my income-driven plan. which I will do. 

Needless to say, the experience has been disheartening and confusing. I'm not sure what to do at this point regarding their communication ( or lack thereof ) and the need for them to acknowledge the accurate number of qualifying payments that I have made. 
I would very much appreciate your help and advocacy in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15 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: NC

Complaint narrative:
I found three ( 3 ) unauthorized hard inquiries on my XXXX   credit report. Called them direct and their representative asked numerous questions concerning my identity. After about 30 minutes, she wanted to know my problem, Told her I wanted these inquiries taken off my report because I never authorized these companies to check my credit. She told me she couldn't help me on the phone and didn't give me a reason why! Told me to call the companies direct. To sum it up, " can't dispute hard inquiries '' Found three ( 3 ) different unauthorized hard inquiries on my Experian credit report also. I called, and they gave me the same run around. I'm to the point afraid to call XXXX, where I don't know want I'll encounter!

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 2019-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account was " pending '' negative and put fund in it, and my online account reflected the balance was positive after depositing an ACH transfer, and then again cash, but Chase still assessed me five fees at {$34.00} each. 

the way chase posts the payments is also unfair. they post the largest transaction first, and then allows all the smaller transactions to be assessed fees. 

I went to the branch nearest me ( the other is a few miles aways, and in XXXX XXXX I do not have an easy method to get there, especially late in the evening. ) to make a cash deposit, but to my surprise there is no teller window, but a giant ATM machine. Chase is all about the bottom line, even at the expense of its customers. I do not expect them to refund any fees, they'll likely respond with some long drawn out response about how my account was negative and how transaction are posted in order. 

When I called to work with Chase, not one person I spoke with knew what UDAAP was, of course chase doesn't train it's employees on UDAAP, they create processes that are abusive to their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: MN

Complaint narrative:
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: GA

Complaint narrative:
I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 7 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. 
I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXX The second company was XXXX and was late only 3 payments. 
I was late XXXX, XXXX, XXXX XXXX I think the fair solution would be to take all of the late payments off because it WAS IDENTIY THEFT. The theft destoyed my life and I want it back! My mom is XXXX XXXX XXXX and I need to take care of her but I need my credit back.

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 2019-11-16 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: GA

Complaint narrative:
I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 7 more  payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. 
I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXXmth The second company was XXXX and was late only 3 payments. 
I was late XXXX, XXXX, XXXX XXXX I think the fair solution would be to take all of the late payments off because it WAS IDENTIY THEFT. The theft destoyed my life and I want it back! My mom is XXXX years old and I need to take care of her but I need my credit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OK

Complaint narrative:
I have a Bitcoin account on Coinbase.com ( under email XXXX ) with approximately {$190.00} of Bitcoin currency in it. I used this as a fun bit of speculation. I want to have the money back in hand in my bank account. Coinbase operates a system called a " Vault '' allowing you to store the Bitcoins in it, and require authorization to remove it. It requires a text message authorization, and to confirm emails from my main email ( above ) and a secondary email ( XXXX ). I have access to all these things, and yet, the approval email to withdraw my money under the secondary email never arrives. As such, any request to withdraw my money is canceled. My {$190.00} is effectively held hostage by Coinbase. 

I have contacted them numerous times, and no one helps. It is merely a standard " Here is how a Vault on our website works '' email. Their phone service also gives no way of resolving the problem or talking to a person. It is frustrating and deceitful. Please advise. 

All the best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In XXXX a discover card was opened in my name, in XXXX I discovered this information and called the police and made a report. I also filed a report with the FTC as instructed by the police and sent a letter to the credit bureaus. The results were the account was removed form all reports. In XXXX of XXXX Experian put the account back on my report after calling them I was told I'd have to restart a dispute process. I am in the middle of closing on a home and this is an account that never belonged to me nor did I give anyone permission to open for any reason and was already removed from my credit file. Please help me as this could cause me a great setback. Below is a copy of the letters sent to Experian.

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 2019-11-16 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: MN

Complaint narrative:
Experian is not updating my credit report in a timely manner. Creditors are reporting me NOT late on the other 2 major bureaus, but Experian is showing I am late for the same exact account. Attached you will find documentation on my XXXX   and XXXX credit report showing I am NOT late payment for the month of XX/XX/2019. I do not have 2 missed payments with creditor XXXX XXXX XXXX. Experian is reporting or showing, that I have 2 missed payments with creditor XXXX XXXX XXXX which is incorrect. Experian credit report is also attached to this compliant to show they are reporting me late, and last update on Experian is XX/XX/2019. Attached are to billing statements from XXXX XXXX XXXX showing I made my payment for XXXX. Please review the highlighted sections. Experian is also currently reporting the wrong 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 explanation