vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
The student loan service provider for XXXX XXXX XXXX XXXX XXXX, University Accounting Services " upgraded '' their site a few months ago. Before their site was XXXX and now it is XXXX. The old site looked about the same and ran very fast. The issue I've been dealing with is that they have put absolutely no effort into making sure that this new site runs properly. Pages consistently take more than 10 seconds to load, if they do at all. And most importantly, I can't download any of my statements or tax documents. I can't file my taxes because I can't access the document via their website. 

I'm a software engineer, so I am well aware of how these sites work. My internet connection is about 400mbps, so I'm sure it's an issue on their end. Their use-case is not that complicated or computation-expensive. There is absolutely no excuse for their website to run this slowly. They need to invest some of the interest they're making on my education into at least using more servers. I am filing this because this issue has been going on for months with this company and they have done nothing to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: TX

Complaint narrative:
FCRA violations : Account Info Tap labels for more details Account number XXXX Account status Closed Not only hiding charge-off accounts under closed accounts see attachments for proof ( see attachments ) XXXX Original creditor : XXXX XXXX {$330.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$18000.00} Balance updated XX/XX/XXXX XXXX Original creditor : XXXX XXXX {$330.00} Balance updated XX/XX/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 2021-03-27 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: TX

Complaint narrative:
FCRA violations : Account Info Tap labels for more details Account number XXXX Account status Closed Not only hiding charge-off accounts under closed accounts see attachments for proof ( see attachments ) XXXX Original creditor : XXXX XXXX {$330.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$18000.00} Balance updated XX/XX/XXXX XXXX Original creditor : XXXX XXXX {$330.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Ad astra for a payday loan company ... {$2100.00} I did not take out this loan. I have contacted the collections company filed a FTC report sent my bank fraud statement to the credit bureaus about this and still is not removed. This is identity theft affecting my credit report an all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: UT

Complaint narrative:
My XXXX account has disappeared from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I spoke to an agent and she confirmed that there was no record of any late or past due payments associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
I XXXX XXXX entered into a consumer agreement with XXXX for a cell spot tower and by me being a student at the time going between jobs trying to make a living, I fell behind on the payments for it and XXXX Illegally sold my debt and Information to AmSher Compassionate Collections who are now harassing me with repeated phone calls and threats.Even with letters sent they still call with different phone numbers.Its causing me distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
RE : COINBASE ACCOUNT CASE # XXXX In XX/XX/2021 I contacted Coinbase via their website that I needed assistance recovering my XXXX Authenticator, They were able to assist and the problem was resolved, In the meantime I was contacted by phone from someone ( XXXX ) whom I now know was from outside Coinbase Support who knew I was having a " technical '' issue and somehow knew my phone number to contact me. I disconnected the call and again went on Coinbase website and let them know of the contact attempt as they do not call customers. They disabled, locked my account and I have been trying to get my account unlocked ever since. The account recovery process needs to be done from a desktop computer which I have used many times by purchasing a XXXX  app on my phone. Once I did that I completed account recovery several times and it may have had a watermark on the " selfie '' and Drivers License photo, once I realized that I purchased the upgraded version to remove the watermark. The Account Recovery Process repeatedly is coming back as " Cancelled '' with no explanations or help in recovering my account. Its been 2 months now and a lack of Customer Support to resolve this issue. I am attaching all the details and timeline of communication and description of the difficulties in reaching resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
On XX/XX/XXXX I traded in my XXXX XXXX XXXX I had financed through Credit Acceptance. The dealership I was working with handled the payoff of the car. I got notice on my credit reports on XX/XX/XXXX that the balance of the loan was reported as 98 % paid off and account still open when it should have been 100 % and account closed with a {$0.00} balance. Credit Acceptance left a balance of {$210.00} still reporting as open on my credit report. On XX/XX/XXXX I received the contract pay off letter from Credit acceptance that stated I made my final payment and my contract was PAID IN FULL and the lien was released. Today is XX/XX/XXXX and this account is still reporting as opened with a balance of {$210.00}. I have made 2 attempts to resolve this with Credit Acceptance but they were of no help they just told me to dispute it but did not inform me on how to do that. Another representative from Credit Acceptance told me that I need to wait until XXXX. ( Not sure why when the car was paid off in full XX/XX/XXXX ). This reporting incorrectly has negatively impacted my credit and has caused me to be denied financing on something else due to it appearing I have 2 auto loans open. I need this information removed and this reported correctly as soon as possible. I am in the process of trying to buy a home and this is really holding me back. I can not get Credit Acceptance to help me so I was forced to submit this complaint. Thank you for your time.

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 2021-03-27 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: FL

Complaint narrative:
I've provided the police report to Transunion informing them of the item on my credit. I was informed that it would take 72 hours for the items to be removed. I sent in my ID social and bill by mail and on the site. What is going on? Why are they saying that I need to send in my ID social and a bill again? I sent it in already. 
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 2021-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
My CASHAPP account was hacked and {$1500.00} was stolen. On XX/XX/2020 someone transferred {$1500.00} ( in 3 separate {$500.00} transactions XXXX to their account. This is pure fraud. I did not make these transactions and I do not know wh the recipient is. I was working at home when my phone started pinging and I received notifications of these transactions. 

I had several email exchanges with a CASHAPP representative. They claim that the transaction was from a device that had previously accessed CASHAPP. That is not possible. I has the only two devices XXXX my phone and my laptop ) in my hands as the transactions occurred. 

The final email from CASHPP is attached, in which they claim that they have no responsibility. Also attached is my CASHAPP statement showing these fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: TX

Complaint narrative:
all FCRA violations I dont not have all this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, LA XXXX MULTIFAMILY Never lived

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 2021-03-27 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: TX

Complaint narrative:
all FCRA violations I dont not have all this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, LA XXXX MULTIFAMILY Never lived

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/XXXX I returned 7  closet doors purchased XX/XX/XXXX to XXXX. However, I was credited for only 6 doors. I discovered this when I got home and examined the refund slip. I was not able to reach XXXX, so I called Citibank and submitted a dispute on the phone for {$47.00} XXXX {$45.00} cost of the door plus sales tax ). XX/XX/XXXX Citibank notified me that based on XXXX 's response they were reversing the conditional credit and invited to submit additional documentation in support of the dispute. XX/XX/XXXX I submitted a lengthy letter and additional documentation showing that either Citibank did not fully advise XXXX of the nature of the dispute or the XXXX was negligent in how it conducted its investigation and concluded that the dispute was invalid. XX/XX/XXXX Citibank responded thanking me for providing additional information regarding the dispute, and that they are reviewing it and will get back to me. However, Citibank failed to do any of this. Instead, XX/XX/XXXX they sent me a letter saying that they appreciated my feedback and simply closed the dispute. This is simply unconscionable -- it is evident that Citibank did not conduct any investigation and just accepted XXXX 's response at its face value when reversing the conditional credit XX/XX/XXXX. And then on two occasions -- XX/XX/XXXX and XX/XX/XXXX -- they invited me to submit additional documentation and assured me they will review it, but simply issued a letter a few days letter saying that they appreciated my feedback..

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 2021-03-27 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: OH

Complaint narrative:
The following accounts listed are fraud and I never did any business with these companies OR contracts : XXXX BANK XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX / XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX. OF EDUCATION/GL # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX COMPAN # XXXX, XXXX XXXX  COMPAN # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXXT # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX 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 2021-03-27 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: OH

Complaint narrative:
I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I would also like a PIN number to protect all of the credit information. I need a new copy of my XXXX XXXX and Equifax credit report as well too!! I believe someone have already started applying for account in my name because I have received alerts for A XXXX Card, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. SYSTEM, XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I would also like a PIN number to protect all of the credit information. I need a new copy of my XXXX XXXX and XXXX  credit report as well too!! I believe someone have already started applying for account in my name because I have received alerts for A XXXX Card, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. SYSTEM, 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 2021-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Firstsource Business Process Services, LLC
State: NV

Complaint narrative:
XX/XX/2017, {$33000.00}, XXXX XXXX sold the debt to XXXX. Giving my personal information away.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: OH

Complaint narrative:
The following accounts listed are fraud and I never did any business with these companies OR contracts : XXXX BANK XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX / XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX. OF XXXXL # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX COMPAN # XXXX, XXXX XXXX COMPAN # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: OH

Complaint narrative:
The following accounts listed are fraud and I never did any business with these companies OR contracts : XXXX BANK XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX / XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX. OF XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX COMPAN # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, OXXXX XXXX XXXX # XXXX, XXXXXXXX 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 2021-03-27 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX 'S COLLECTIONS # XXXX, CHOICE RECOVERY INC # XXXX, CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX 'S COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, CHOICE RECOVERY INC # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
On XX/XX/XXXX I went to my local bank to get a cashier check I gave my card and ID to the banker over there who stated that my card shows that it was reported lost and no longer active to use and that I will receive a new card in the mail. I destroyed my card and throw it away. A few days after I start getting charges on my card that the banker told me it was no longer active. Total charges were around {$2900.00}. The bank havent fix the problem yet. But I have a feeling that they are doing something wrong to other people too

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 2021-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient is misapplying payments and claiming past due balances plus adding fees to the past due amount even though all of my payments have exceeded the minimums due and have been paid by the due date. 
Examples : XXXX Statement : Total Payment Due : XXXX by XX/XX/2021 XXXX Statement : Payments since last bill : XXXX ( paid XX/XX/XXXX ) ; Total payment due : XXXX by XX/XX/2021, including a past due amount of XXXX and a fee of XXXX XXXX Statement : Payments since last bill : XXXX ( actual payment XXXX on Mon, XX/XX/XXXX ) ; Total payment due : XXXX by XX/XX/2021, including no past due amount or fees XXXX Statement : Payments since last bill : XXXX ( paid XX/XX/XXXX ) ; Total payment due : XXXX by XX/XX/2021, including past due amount of XXXX and fees of XXXX. ( XXXX scheduled to be paid on XX/XX/XXXX ) This has been an ongoing issue with which I have spent hours on the phone with Navient trying to resolve. The last representative I spoke with understood the issue, empathized with it and raised an internal audit request. All other conversations have been met with defensiveness and excuses.

Company response to consumer: Closed with explanation