vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Upon viewing my credit reports, I noticed my Navient Account number : XXXX has a discrepancies in the " Late Payment Status '' section of the listing. XXXX  and XXXX  reports that I was 120 days late which I was not. There are several inaccuracies violating the FCRA Requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: OK

Complaint narrative:
We had a line of credit on our home and it was serviced by Specialized Loan Servicing. We paid of the line of credit and desired to close the line of credit. The fine print says and we have documentation to support this statementment attached : " If the borrower makes a prepayment during the first thirty-six months after the agreement date, the Holder may collect a prepayment charge of two percent ( 2 % ) of the outstand balance on the line of credit at the time of prepayment. We had a {$0.00} balance on the loan and proceeded to close out the line of credit. We received a bill in the mail for {$4500.00} to allow us to close out the line of credit. We had to pay it because they refused to follow the fine print and we needed to close the line of credit at that time. We initial sent correspondence to Specialized Loan Servicing and they continue to delay and have stop responding now. After many phone calls we were told to send an email to them and that started in XX/XX/2021. I have attached the continued mail correspondence as they will not communicate over the phone or via email with us regarding the issue. We want our {$4500.00} refunded as it was not legally collected from us but we had no choice but to pay to move forward and close the account. We spoke with the lender that closed the loan and he said he agreed but we would have to go through the SLS company and he would not be able to correct the problem. The lender is XXXX XXXX  but they only refer us to the servicer SLS. And they keep sending letters saying they will get back to us in `15 days and then an

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 2021-07-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA
State: VA

Complaint narrative:
In XXXX I was litigated against for private student loan debt. The servicer was National Collegiate Trust. The loan was past the statute of limitations and I told them that in court ; consequently the case was dropped. 

I still often receive phone calls and letters from various companies claiming I own the debt. I often receive letters from National Collegiate Trust trying to manipulate me into signing my name to debt that was never verified to me mine. I graduated from college in XXXX so, there is no reason for me to have student loan debt dated for XXXX. My name and credit information has been in several credit breaches. 

The debt is now over 10 years old. The collection companies know that this is past the SOL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: AL

Complaint narrative:
I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.

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 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
after a dispute submitted with Bank of America where I received the nevada unemployment benefits they in their resolution decide to charge my account back for almost XXXX they allege that there was not fraud that left my account negative but the rest of the money from my years worked in unemployment they never provide me with the money nevada ui said they sent it but when I call boa they won't unlocked my account because is negative. its been a horror movie leaving me with no money after years and years of work done Bank of America hasn't release almost XXXX $ from nevada ui. I HOPE SOMEBODY CAN HELP ME WITH THIS MATTER THANKS, 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 monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: VT

Complaint narrative:
Good Day sir/Ma I'm XXXX XXXX, i'm XXXX years old, I live in XXXX XXXX XXXX XXXX Vt. 


I'm writing you regarding the restriction placed on my Coinbase XXXX, XXXX account. 



I deposited {$8500.00} into my Coinbase account on XXXX of XXXX Thursday. 



On the XXXX of XXXX Friday i found out Coinbase XXXX , XXXX, had restrict my account at their earliest convenience without notice. I opened a support ticket and i haven't gotten any response yet. 


Case number a-signed to me by Coinbase XXXX, XXXX Case # XXXX. 



Case # XXXX - Restricted. 


You can follow my case with coinbase with this case number. 

I'd like you to help me with my request. 



Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: VA

Complaint narrative:
My 2020 credit report listed a collection account with XXXX XXXX XXXX. This matter was resolved directly with the original creditor, XXXX XXXX XXXX XXXX. Therefore, no monies were owed and credit bureaus were required to remove this incorrect information. 

XXXX  and XXXX  removed XXXX XXXX XXXX from my report. 

However, despite sending them numerous letters disputing this account, Equifax continues to conclude that this information was confirmed and accurate and will remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: NJ

Complaint narrative:
Attached in this complaint should be an FTC report filed on the FTC website and a notarized FTC affidavit by law you are required to block the fraudulent account within 5 days while you investigate. I have been trying to get this issued resolved for a while now it has been very frustrating, I have been studying consumer laws I have also hired an FCRA attorney he advised me to sue but I want to make this last attempt to get this issue resolved outside of court. If this issue is not resolved in a timely manner and my dispute is ignored or the account is not properly validated, I will be forced to file a lawsuit against you and the creditor that extended the fraudulent account in my name. 
If you do investigate and claim this account is accurate or is mine, I need a written sworn statement from a senior officer under the penalty of perjury that this account does in fact belong to me and also the method of verification they used to validate the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: NJ

Complaint narrative:
Attached in this complaint should be an FTC report filed on the FTC website and a notarized FTC affidavit by law you are required to block the fraudulent account within 5 days while you investigate. I have been trying to get this issued resolved for a while now it has been very frustrating, I have been studying consumer laws I have also hired an FCRA attorney he advised me to sue but I want to make this last attempt to get this issue resolved outside of court. If this issue is not resolved in a timely manner and my dispute is ignored or the account is not properly validated, I will be forced to file a lawsuit against you and the creditor that extended the fraudulent account in my name. 
If you do investigate and claim this account is accurate or is mine, I need a written sworn statement from a senior officer under the penalty of perjury that this account does in fact belong to me and also the method of verification they used to validate the fraudulent accounts.

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 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a letter by Bank of American in XXXX XXXX that my account was being closed and within 2 weeks I would receive via check the current balance. I knew the account was closed earlier because I couldnt have access to it. I have talked to customer service agents at branches and also by calling the 1800 number and still today XX/XX/2021 havent received my money.

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 2021-07-26 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 — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. ( My last communication was XXXX, see attached ) I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format formate ignoring to report. 

CITIBANK N A Account ID : XXXX The account is incomplete. The complete and itemized listing of the dates for these accounts was never provided. I am having trouble getting them from the original creditor. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain loan.

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 2021-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: GA

Complaint narrative:
Starting in XX/XX/2020, XXXX and I notified Fedloan Servicing that the Loan was forgiven on XXXX XXXX. Official notification was provided in writing notifying them of XXXX decisions as well as multiple conference calls with them and the previous loan provider directing both of them to process the loan write off. Fedloan Servicing has declined multiple request to process the request and continue to report this as a active loan to all the Credit Agencies. Multiple managers with Fedloan Servicing have committed to resolving this issue and communicate back with me with specific timelines. They have failed to meet their commitments .The government agency XXXX advised me to file this actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26 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: JPMORGAN CHASE & CO.

Complaint narrative:
I hired a moving company to help move my things. 

The moving company told me that I can book an elevator between XXXX. 

Then the moving company came at XXXX and left my stuff on the road without delivering it to my condo. 

The moving company also forged my signature and charged a different card for {$500.00}. 

But Chase is refusing to see all this evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I owned a XXXX XXXX and I voluntarily surrendered it due to transmission issue. The seller made false representation for the warranty. As a result, I return the car. The seller reporteda balance of {$18000.00} which I disputed. Now that company is reporting it illegally on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was approve for a XXXX about two years ago. I was late one time back in XX/XX/2019. However, because I have auto draft setup, as a condition for loan approval. I was not notified until I had an alert from my credit report. I call and received no assistance and no one could explained why the payment was not drafted as agreed. However, over the last year or so, the lender keeps reporting late payments on and off. I have bank statements showing that the auto pay is drafted each month on time since XX/XX/2019. My credit score dropped from the mid 700 to below 600 because of this lenders actions. I attempted to get a loan to pay this lender off. However, because they periodically report late payments, I can't get a personal loan, business loan, car or house.

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 2021-07-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was approve for a XXXX about two years ago. I was late one time back in XX/XX/2019. However, because I have auto draft setup, as a condition for loan approval. I was not notified until I had an alert from my credit report. I call and received no assistance and no one could explained why the payment was not drafted as agreed. However, over the last year or so, the lender keeps reporting late payments on and off. I have bank statements showing that the auto pay is drafted each month on time since XX/XX/2019. My credit score dropped from the mid 700 to below 600 because of this lenders actions. I attempted to get a loan to pay this lender off. However, because they periodically report late payments, I can't get a personal loan, business loan, car or house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was approve for a XXXX about two years ago. I was late one time back in XX/XX/2019. However, because I have auto draft setup, as a condition for loan approval. I was not notified until I had an alert from my credit report. I call and received no assistance and no one could explained why the payment was not drafted as agreed. However, over the last year or so, the lender keeps reporting late payments on and off. I have bank statements showing that the auto pay is drafted each month on time since XX/XX/2019. My credit score dropped from the mid 700 to below 600 because of this lenders actions. I attempted to get a loan to pay this lender off. However, because they periodically report late payments, I can't get a personal loan, business loan, car or house.

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 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I believe XX/XX/20 is how long they've had my money. I deposited a couple of checks for friends with no IDs and it was fine until I deposited my own check then it locked up my account. They said I have to show those IDs for the people of whom I cashed their check that they are holding. I know that this is not how they do everyone as I know a few others who have done the same and their accounts are fine. I asked if there was a problem with the check 's as they are from the Department of Treasury and they said no. So why are they holding XXXX from me since XXXX if not longer?! It's Chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Ive filed a dispute in regard to the incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-07-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation