vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
My phone was stolen, and my PC drive went bad in the same week, so I lost my saved authentication methods. There is a process to validate your identity and regain access to your account by scanning your photo ID, etc. My photo ID says " XXXX XXXX XXXX XXXX ''. My account says " XXXX XXXX ''. There was no mention at the time of account creation that my account name had to match my photo ID. 

XX/XX/18 - opened Case # XXXX with phone support XX/XX/18 - I emailed coinbase to check the status XX/XX/18 - they sent me the same pre-written " your case has been escalated '' email, with no further instructions are projected date of resolution XX/XX/18 - they sent me an email with a link to verify my ID. This was extremely insulting, as the reason I opened the case is that their method of ID verification can not work when your name does not match your ID. 
XX/XX/18 - I called them, re-explained the issue and why the link they sent me is not useful, and they assured me " my case has been escalated '' for the umteenth time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
To Whom It May Concern : I have sent you my request, Via : U.S. Postal Service CERTIFIED MAIL RECEIPT # XXXX XXXX XXXX XXXX XXXX, dated XX/XX/2018 for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 

It is apparent that you have overlooked or ignored my request. Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before XX/XX/2018, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.

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 2018-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: ACCESS GROUP INC.
State: CA

Complaint narrative:
This loan was incurred while I was student at the now defunct XXXX XXXX XXXX located at XXXX, CA. As you are aware the school has been closed due to fraudulent action by the said school and lost its accreditation.My diploma that I received is now worthless and could not even be transferred to another school since they are not being honored. My issue that I need to be resolved is why are they still collecting payment of the loan despite the fact that the school has been closed and shut down by the government and the diploma that I received is worthless and of no value. I could not even use it to apply for a job since employer knows that the school is no longer in existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: CA

Complaint narrative:
There are inquiries on my credit report that I have not done it shows at a XXXX auto loan was filed in bankruptcy which was not it is in good standing has been closed paid in full I also have a credit card on there that I am disputing charges Recently that shows closed but is not. Also it shows with multiple accounts potential negative but file for bankruptcy in XX/XX/2016 and those accounts of been charged off with Experian is the only credit bureau that shows negative marks. It is hard for me to rebuild my credit and try to get loan for school or a credit card. The only account that I have is a auto loan for a XXXX which is in very good standing a credit card which Im disputing charges a cell phone and car insurance. Bankruptcy is a positive and negative with your credit and I feel that showing these negative marks due to my bankruptcy from 2016 is causing me not to be able to rebuild my credit and I feel with not having any debt I should be able to get a credit card or loan with a high interest rate to help me rebuild my credit and it is not applicable because of the report. I feel it should be fixed and not show negative. XXXX I feel is the best report for companies to use and my score should be higher, And probably would be if I did not have those marks or inquiries on my credit. I iust want good credit again.

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 2018-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: NC

Complaint narrative:
I noticed this debt on my credit report and contacted the debt collector. They haven't give me any proof that this debt is mine, nor a legitimate reason why I should pay it. I do not owe this debt and I refuse to pay it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
chase stated that they will remove all fraudulent hard inquiries from my credit reports dated XX/XX/2017, XX/XX/2017 and XX/XX/2017. these inquiries are still reflecting on my XXXX  report. Chase sent me a letter in XXXX stating that the inquiries would be removed but have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
The company is asking me to pay an account established at XXXX. At first the account stated being established XX/XX/XXXX, then once I spoke to them, it was rereported as XX/XX/XXXX in Florida. I live in XXXX Ga, and have already filed a case of Identity theft with the police and consumer credit reporting agencies. I contacted them on several occasions to ask for the proof the account is mine, or to verify their legal right to collect. 
I want to file this compliant because, they are attempting to re-age this account and purposefully misrepresenting information, either way its being done to harm my name and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony / Walmart Credit card stated that they would remove all fraudulent hard inquiries from my credit report back on XX/XX/XXXX. The Hard done on XX/XX/XXXX still reflects on my XXXX  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 non-monetary relief
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
Southwest Credit Systems L.P claimed I have an open account with them. They state the original creditor is XXXX. I dont even have a XXXX account. Id like this resolution to be solved immediately to ensure my credit score remains growing to the higher levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
The company is asking me to pay an account established at XXXX XXXX XXXX XXXX, in XX/XX/2017. I live in XXXX Ga and have already filed a case of Identity theft with the police and consumer credit reporting agencies. I contacted them on several occasions to ask for the proof the account is mine, or to verify their legal right to collect. 
I want to file this compliant because, they are purposefully misrepresenting information, either way its being done to harm my name and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have made many attempts to contact this company with no resolution. I get transferred to various depts, however no one is able to assist. I have tried to explain to the company that when a consumer utilizes the online option to request a payday loan, the system automatically thinks you are asking for not only a payday loan, but also an installment loan and there is a hard inquiry done on your credit report. When I tried letting them know I did not ask for an installment loan they continue to tell me I did request one, when in fact I had not. I have tested this numerous times and it continues to occur. My credit has 2 hard inquiries from this company which I did not consent to. One was done on XX/XX/XXXX and the other one XX/XX/XXXX. I have filed complaints and to no avail. They insist I applied for an installment loan and a pay day loan which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have no idea why there is a {$10.00} fee on my Compass credit card. It is incorrect. I have called and emailed the company many times to fix it and change my credit report to never late. I take pride in my great credit and BBVA is messing it up. I have tried many time to call and speak to a person at the company and have been left on hold for hours. I can not believe it is one of the biggest banks in the world and is unable to be reached. I am very upset and plan to take this to the highest levels.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX of 2017 I received a disaster relief loan from XXXX XXXX XXXX XXXX. They advertised this loan as one that did not depend upon credit worthiness and had a low interest rate. I had problems from the beginning and based off of conversations with other consumers who received this same loan, their unfair treatment towards me was racially motivated and they were biased. Without my permission they pulled my credit and denied the loan initially. I had many a heated conversation with employees and finally managers about XXXX pulling my credit without my consent. A high level manager approved the loan and told me they would be removing the inquiry from my file immediately. That never happened. I am fighting now for two reasons. 1. They need to remove the illegal inquiry from my account immediately! The agreed to do so during the process last year, but have yet to do so. 2. They are in violation of the Fair Credit Reporting Act and other laws at this time. I became ill and unable to pay my bills for a few months. Instead of following the law, this evil disgusting vile company has been reporting inaccurately on my credit file making it impossible for me to obtain housing! I have tried relentlessly to work with them, even offering to pay all of what is owed or pay many bills in advance and put the rest on an automatic withdrawal system so I can get housing. They have refused. They are the ONLY company that has refused to work with me. This is a DISASTER RELIEF loan! My credit was not used to get me the loan. They can not legally report. Looking back, perhaps this was their plan all along. If people are in need of disaster relief perhaps they may fall behind and this was their illegal way of making sure it got paid. XXXX had no interest in helping people. They were interested in getting money! At any rate they only treat their customers of color in this manner and I want justice ... Immediately! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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: CA

Complaint narrative:
I am a authorized user so please remove from my credit because I am not responsible.

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 2018-07-22 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: CA

Complaint narrative:
I have supplied TransUnion credit Bureau with a copy of my certified police report, a fraud affidavit and a copy of my report that was filed with the FTC to date, they continue to re-insert fraudulent information on my credit and I am in able to reach them by phone. I have to leave a message and I am told I will get a call back. 

I am requesting they remove address XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I am requesting they remove the following fraudulent inquires ... they were not authorized and I don't have any accounts with the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX via 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 Also my credit should have been frozen and these unauthorized inquires should have not been allowed on my credit. I am also requesting again that my phone number be added to my fraud alert XXXX and the fraudulent phone number be removed XXXX TransUnion File Number 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 2018-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Over the years, by Nelnet, I was guided to forbearance without a clear understanding of the consequences of interest capitalization. I was told that my loan is simple interest. Even though I am financially prudent and astute, the true meaning of interest capitalization just became clear. 

My credit score went down 50 points from XX/XX/XXXX to XX/XX/XXXX, because my student loan debt increased. When I contacted Nelnet today, XX/XX/XXXX, for the first time, interest capitalization was clearly explained. Interest capitalization is the reason my loan debt increased, and my credit score decreased by 50 points. 

Also, Nelnet lost my Loan Forgiveness application for {$17.00}, XXXX. The forgiveness process, including when the application was lost and resubmitted, took from XX/XX/XXXX until XX/XX/XXXX. Nelnet accrued and capitalized interest during the time the application was lost and while the forgiveness process completed. A Nelnet adviser said today, XX/XX/XXXX that interest accrues at {$4.00} a day so for the approximately 6 months the process took from submission, being lost, and processed the accrued interest is approximately {$830.00}. 

Furthermore, I received two almost identical letters regarding a single forbearance. One letter was dated XX/XX/XXXX and the other XX/XX/XXXX. The 1st letter said the estimated interest to accrue was {$.00}. The second letter said accrued interest was {$4900.00}. Scanned copies are attached. 

Additionally, on XX/XX/XXXX, a Nelnet adviser said that my 10 year loan repayment was {$170.00}. After checking my account today, XX/XX/XXXX, I discovered that the payment term is 233 months instead of 120 months, is {$190.00} instead of {$170.00}, and I could pay more than {$20000.00} interest on a {$25000.00} debt. 

I need to make much higher payments to avoid further interest capitalization financial damage. This appears unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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 — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I tried to make a payment on the XXXX of XXXX and the system made me pick XX/XX/XXXX as the payment date causing it to be a 30 day late. the check submitted cleared and i was told to dispute it through the credit agencies and that it should be fixed. the company has refused to do so.

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 2018-07-22 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: CA

Complaint narrative:
I am a authorized user so please remove from my credit because I am not responsible.

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 2018-07-22 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:
These accounts do not belong to me. I am not financially responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-22 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: FL

Complaint narrative:
Re : AFNI, INC/XXXX  Account # XXXX I am beyond exausted trying to resolve this matter I'm currently experiencing with XXXX. Due to this issue I have experience such a hard time in life with the harassing phone calls it's making me miserable as well as my kids. I have tried on numerous occasions to resolve the inaccurate information on my credit report but hey have completely ignore me however they've been calling my job, my friends, my neighbors, my husband and the camp where my children are enrolled which I don't know how they got the number to. They've called everyone in my life except my dog. This has brought on a lot of mental issues to the point I'm having difficulties all for an account I have no knowledge of. 

This is the last time I'm trying to resolve this issue for the inaccurate information. My attorney has advised me to sue, however I'm trying to resolve this before I have to take legal action. Should they not remove this inaccurate account off my report I will sue for deformation and financial injury. Under the FDCPA and FCRA I can sue for damages to which I know my rights. FDCPA section 809 this law allows me to sue under the same circumstances. I have demanded on several occasions for the cause to cease and desist and they've ignored it. Please assist me with working with this company to have this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22 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:
I have supplied Equifax with a copy of my certified police report, a fraud affidavit and a copy of my report that was filed with the FTC. To date, they continue to re-insert fraudulent information on my credit and or they wont remove it. This is actually my second complaint within 6 months. They always ask for 60 days to investigate the situation and they do nothing. 

I am requesting the following accounts be removed 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 I have not applied for credit with in the past 5 years and I am requesting they remove the following fraudulent inquiry entries 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 Also my credit should have been frozen and these unauthorized inquires should have not been allowed on my credit. I am also requesting again that my phone number be added to my fraud alert XXXX. 

Equifax Confirmation Number XXXX

Company response to consumer: Closed with non-monetary relief