vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus. 
EQUIFAX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$470.00} XXXX HARD INQUIRIES XXXX XXXX XXXX ( 3X ) XXXX XXXX XXXX   COLLECTIONS XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$520.00} XXXX  XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX- DISMISSED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus. 
XXXX  XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$470.00} XXXX HARD INQUIRIES XXXX XXXX XXXX ( 3X ) XXXX XXXX XXXX   COLLECTIONS XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$520.00} XXXX  XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX-DISMISSED EXPERIAN HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX  XXXX XXXX XXXX {$470.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$530.00} PUBLIC RECORDS BANKRUPTCY CHAPTER XXXX DISMISSED

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 2020-02-12 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:
Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.

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 2020-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I notified the company about this been a case of identify theft submitted my full police report to the company and still no reply are action has been taken I have also filed a compliance with FEDERAL TRADE COMMISSION!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: Army and Air Force Exchange Service
State: NJ

Complaint narrative:
My aafes credit account was in collections I was XXXX and they listed it as 30 days late for 12 month while I was away. I disputed this account as inaccurate and should be closed because I paid the balance once I was back and they reported it as paid and closed. My recent dispute with XXXX to have the account closed since it has been well over seven years aafes listed my account as collection for the past 2 plus years when it was reported as paid on the report months prior that is fraud.

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 2020-02-12 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: NJ

Complaint narrative:
My XXXX credit account was in collections I was XXXX and they listed it as 30 days late for 12 month while I was away. I disputed this account as inaccurate and should be closed because I paid the balance once I was back and they reported it as paid and closed. My recent dispute with Equifax to have the account closed since it has been well over seven years XXXX listed my account as collection for the past 2 plus years when it was reported as paid on the report months prior that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
I received a letter from Ad Astra Recovery Services about an alleged debt on XX/XX/2019. I dispute this and asked for validation and verification of this alleged debt with a phone call I made to them in the second week of XXXX. They responded on XX/XX/2019 with a letter from their company on their letterhead with very minimum information. This information still lacked the proper evidence to validate this was my debt. It did not clarify this debt belonged to me, so I disputed it again with a another telephone call around the first week of XXXX along with a letter. In my letter I asked for specific items to verify that this was my debt and this company was legit and made sure they were aware of my rights in this disputing process since they still hadn't validated this debt or proved this company was in good standing to collect in my state. I waited to hear back from them within the legal amount of timeframe and still nothing. I called back again on XX/XX/XXXX to check the status and they had already put this on my credit report without legally verifying this was my debt. This company violated my rights as a consumer and broke the law. They didn't send me any documentation I requested of these accounts until after they reported to my credit file. 

Accounts were for {$190.00} & {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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:
Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.

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 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am currently in the process of refinancing my mortgage with XXXX  XXXX XXXX. I happen to have a second mortgage with Navy Federal and XXXX  XXXX XXXX sent Navy Federal a subordination request. After a very arduous process Navy finally received information requested. I got an alert that a hard inquiry had occurred on my credit report. I thought it was XXXX XXXX   XXXX as Im in the process of refinancing. Did some research and found out it was Navy Federal. Why Navy Federal will pull my credit without first consulting me and while I am in the process of refinancing. That inquiry could impact my loan. They referred me to the FCRA and that they have a right to pull my credit. I would have wanted to be given the option or told that to subordinate to XXXX  XXXX XXXX a hard inquiry needed to be obtained, I would have at that point decided to go forward or not. But to be blindsided like this and pulling my credit without permission or consent to me is problematic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Already i told Bank of the west about my account fraud and ask them to close my account but they still charge my return check since 4 month after my request and still charge overdraft fee and i tried three time to dispute that but still stay in my credit i am very good customer with them and i had this account more than three years

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 2020-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Midwest Recovery Fund, LLC
State: CA

Complaint narrative:
I am victim and never apply that

Company response to consumer: Untimely response
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 a payment in the amount of {$550.00} was posted to my account from XXXX XXXX. I immediately contacted them and was told it was an error and the transaction would be reversed because I didnt authorize the payment coming from my card. I didnt even know they had my card on file. I filed a claim on XX/XX/2020 with Wells Fargo and was told that they would not pursue my claim because I had done previous business with 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 2020-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/2020 I made a {$300.00} payment on my Synchrony Bank Amazon Credit Card. My credit limit is {$400.00} and I made an EARLY payment for more than the minimum due. The payment cleared my bank on XX/XX/2020. I attempted to make a purchase today using my Amazon Card and it was declined. I called the customer service number for Synchrony Bank and spoke with a customer service representative. I informed the rep of my payment, advised him it has cleared my bank, and asked why I was showing a balance of {$34.00}, available to spend amount of only {$32.00}, when I have a total credit limit of {$400.00} The representative informed me that because I made a payment in the amount greater than what was soon to be due, Synchrony placed a hold on the payment for 5-7 days before they will fully credit it to my account. I inquired why they were holding the payment since it has already cleared the bank and does show on the Synchrony website as being applied ; the customer service rep stated " because that's how we process large payments, we place a hold on them ''. I requested the representative direct me to the language in the pamphlet I received with my credit card that advises me Synchrony can place holds on applying payments, that have already cleared the bank, to my account. The customer service rep stated that the pamphlet does not contain any such language, its just " something we do ''. I have never missed a payment, never had a late payment, never bounced a payment and yet Synchrony took the money and will not provide me the credit for doing so. Furthermore, the service rep advised me if I would have waited until the due date and paid just the minimum due- no hold would have been placed on the account. It appears Synchrony is " punishing '' those who can afford to pay off their balances and then refuses to credit them the payment in the " amount to spend '' for 5-7 days.

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 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Payment was sent to wrong person try to request money back multiples trys I was block and denied on XX/XX/2020 2 payment of {$200.00} from XXXX XXXX.i was told back and worth call ur bank to Dispute which I did twice I was denied again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Applied Business Services, Inc.
State: CA

Complaint narrative:
this is my business credit card and i lost my business they give me {$500.00} credit and i ask them my business is close but still charge me again i ask them to help me and I offer them to pay half of my limit but they didnt accepted and ask me to pay {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: NV

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX about an alleged debt on XX/XX/2019. I dispute this and asked for validation and verification of this alleged debt with a phone call I made to them in the second week of XX/XX/XXXX. They responded on XX/XX/2019 with a letter from their company on their letterhead with very minimum information. This information still lacked the proper evidence to validate this was my debt. It did not clarify this debt belonged to me, so I disputed it again with a another telephone call around the first week of XX/XX/XXXX along with a letter. In my letter I asked for specific items to verify that this was my debt and this company was legit and made sure they were aware of my rights in this disputing process since they still hadn't validated this debt or proved this company was in good standing to collect in my state. I waited to hear back from them within the legal amount of timeframe and still nothing. I called back again on XX/XX/XXXX to check the status and they had already put this on my credit report without legally verifying this was my debt. This company violated my rights as a consumer and broke the law. They didn't send me any documentation I requested of these accounts until after they reported to my credit file. 

Accounts were for {$190.00} & {$410.00}

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 2020-02-12 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: NV

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX about an alleged debt on XX/XX/2019. I dispute this and asked for validation and verification of this alleged debt with a phone call I made to them in the second week of XX/XX/XXXX. They responded on XX/XX/2019 with a letter from their company on their letterhead with very minimum information. This information still lacked the proper evidence to validate this was my debt. It did not clarify this debt belonged to me, so I disputed it again with a another telephone call around the first week of XX/XX/XXXX along with a letter. In my letter I asked for specific items to verify that this was my debt and this company was legit and made sure they were aware of my rights in this disputing process since they still hadn't validated this debt or proved this company was in good standing to collect in my state. I waited to hear back from them within the legal amount of timeframe and still nothing. I called back again on XX/XX/XXXX to check the status and they had already put this on my credit report without legally verifying this was my debt. This company violated my rights as a consumer and broke the law. They didn't send me any documentation I requested of these accounts until after they reported to my credit file. 

Accounts were for {$190.00} & {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
ACCOUNTS REPORTING ON SOME CREDIT REPORTS BUT NOT ALL THREE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: NY

Complaint narrative:
I previously notified Transunion and XXXX that I am a victim of identity theft

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 2020-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2020 ( US- Eastern Standard time ), I tried to withdraw 0.4 BTC ( Bitcoin worth ~ {$4000.00} at the time ) from my account on CoinbasePro to a white-listed address ( digital wallet ) I've withdrawn to for at least 30 times without a problem. CoinbasePro showed a message stating withdrawal not allowed because it was under maintenance. Instead of crediting the 0.4 BTC back to my account, CoinbasePro kept the 0.4 BTC. CoinbasePro showed the transaction in pending status without a  destination address or transaction hash ( where destination and transaction hash are proof a withdrawal is successful and traceable on the blockchain ). I filed a total of 5 tickets over the course of 11 days, providing all the information requested to their Support team. They failed to help and kept closing my tickets, claiming they were resolved. But my issue was never resolved! I am still missing 0.4 BTC ( Bitcoin ). 

I called but they do not have phone support for this and directed me to their website. I emailed the CEO, XXXX XXXX, on XX/XX/XXXX detailing my issue and frustration with the support team referencing Case # XXXX. The next day, that ticket was closed and my 0.4 BTC was still missing. 

As of today, Coinbase still owes me 0.4 BTC! 

Case # s : XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: TN

Complaint narrative:
ACCOUNT WAS OPEN WITHOUT MY CONSENT

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 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I tried to pay my Chase Freedom Visa credit card on time using online bill pay like I normally do in 2018, but they had changed the address they accept payments to, did not inform me, and did not accept my payment. Then I got charged a bunch of late fees after I paid the payment to the new address. I merely want to not be charged late fees and get a refund for this. they also didnt stick to contacting me during normal business hours and wont give me a refund of the unfair and unlawful late fees I paid and instead claim it was a " chargeoff ''. They also appear to owe me caswhback and points on this card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Denied VA Home Loan While I Meet All VA Loan Requirements And Have Approved Loan From Another Company. 

They Used Debt Incurred During Deployment As The Reason For Denial Of Home Loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
This is not my debt I dont recognize this information is there anything that I can send into the prove.I have no acknowledgment of this information

Company response to consumer: Closed with explanation