vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 30 days past due as ofXX/XX/XXXX2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: AES/PHEAA
State: WI

Complaint narrative:
I was astonished when I looked at my XXXX, XXXX  and XXXX XXXX reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am currently trying to rent a small apartment with the XXXX XXXX  XXXX also I have applied at the XXXX XXXX XXXX and due to the information that was given as a requirement for the rental property I was not I was unaware of all of these issues that is on my credit that is enabling me to lease the space rent the apartment. If you research my credit history and my payment history in the last 20 years you have you will see that I have been outstanding as a homeowner with my home loan as well as the apartment rental that I have been at for the past 4 years at XXXX at XXXX and XXXX Arizona I noticed all of these charges on my credit report and I know for a fact they are fraudulent and my signature if I want any of these contracts is definitely a forge signature I have been with the same mobile device provider for over 6 years and I 've never had any discrepancies with any XXXX XXXX or XXXX all of these other mobile providers I have never had cell phone service or any service with these companies. 
I am asking that you do a thorough check and that you will be pursuant to the matter and have this disputed and removed off of my credit as soon as possible I also was informed that the maximum is a 30-day process but XXXX XXXX XXXX stated that you guys can take this off of here within the next 7 days so I 'm asking you to expedite this process and a very fair manner thank you for your cooperation and helping me Rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: WI

Complaint narrative:
I was astonished when I looked at my XXXX, XXXX  and TransUnion credit reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

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 2018-01-03 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: WI

Complaint narrative:
I was astonished when I looked at my Equifax, XXXX  and XXXX credit reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: WI

Complaint narrative:
I was astonished when I looked at my XXXX, Experian and XXXX credit reports and realized that I was reported as having a late payment on the date below : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

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 2018-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Student Services
State: AZ

Complaint narrative:
Starting in the summer of 2015 I had wanted to consolidate all my student loans so i could have one single manageable payment. When I found a consolidation company XXXX XXXX XXXX I gave them my information and I was told they were going to work diligently to gather all my loan information and come up with a reasonable payment plan. Three months later after calling once a week every week i finally saw progress on my payments and plans. As i looked at my credit score recently i noticed that i have a high impact rate during this time from apparent missed payments that i did not now i missed. Yet during this time i was waiting on a third party to complete my consolidation process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
At XXXX XXXX CST on XX/XX/XXXX, I transferred approximately a sum of the cryptocurrency Litecoin worth {$2600.00} and received an email from Coinbase confirming that my transfer had been received and was being confirmed. At XXXX XXXX, I received another email notifying me that said transfer had been confirmed and that the funds were being transferred to their exchange, XXXX. According to the XXXX website, " Transfers between your Coinbase wallets and XXXX  account are instant and free '' ( XXXX XXXX XXXX ). In the six days which have passed since I received this email, however, I have yet to receive any funds in my XXXX account, where my Litecoin balance still reads XXXX. 

On the morning of XX/XX/XXXX, I opened a support ticket with the company. Within the hour, I received two automated emails which contained links to the company 's FAQ pages. The second of the two automated email directed me to respond if my problem had not yet been solved, so I sent a response at XXXX XXXX on XX/XX/XXXX which stated that my Litecoin was still missing. I sent another response at XXXX XXXX on XX/XX/XXXX in which I restated my concern for my missing funds and provided more information. I have yet to receive any emails which address my specific issue or which were written by a human being.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX-XXXX-2017 I was reviewing my credit card billing statement from Chase, Slate credit on  XX/XX/XXXX billing statement my interest rate was at 23.99 and my XX/XX/XXXXstatement is at 24.24, I  called spoke with XXXX, he said there was nothing he can do to lower the rate as for the supervisor XXXX she said the same, I have been with them for over 8 years and they refused to help, I was told to check with the credit bureau, did not make sense, they have nothing to do with the rates, I was informed their rates run from 0 % -24.76, I just refinance my home, I have excellent credit, according to there review a good credit score should be offered at least 15.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
As of XX/XX/XXXX I filed a Bankruptcy Chapter XXXX in XXXX, Texas Federal Court and  Bankruptcy chapter XXXX was discharged on XX/XX/XXXX in which during this time Prestige Financial approve my car loan. 
Since XX/XX/XXXX Prestige Financial stated to me that I was going to get a lower interest rate lower than 17 % and is XX/XX/XXXX and nothing has been done to lower my interest rate and my loan balance keeps rising. 
Also I had a family XXXX in XXXX inXX/XX/XXXX and I could n't make a payment for XX/XX/XXXX and I explained the situation to Prestige by emails and they did n't want to accommondate so I can help my family in XXXX . 
I respectfully asked Prestige administration to put the payment of {$440.00} on the back of the loan and Prestige refuse to do it. Prestige stated that I have to wait for XX/XX/XXXX to get another exempt on payments. 
Now Prestige has me in collection of {$970.00} I told them that I can only pay {$440.00} for XX/XX/XXXX and that 's all I have. 
If I do n't pay the other {$440.00} they will put me in collection and repossession of my vehicle that I need for my XXXX XXXX XXXX with my doctor. 
I am XXXX XXXX and Retired. 
I am sending Prestige statement documents and my payments is {$440.00} a month in which I receive a letter agreement from Prestige Financial. 

Very Urgent Matters

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am XXXX resident. My credit card is fraudulently used for booking airticket booking in XXXX XXXX  on XX/XX/XXXX for XXXX USD. Immediately I got a email message I complained to my bank in XXXX within 10 minutes. They reversed the transaction and issued new card. After chargeback and dispute resolution they reversed the amount and now claiming the amount. Merchant no. XXXX merchant sic. XXXX. XXXX called as XXXX XXXX is travelled with booking XXXX in flight XXXXXX/XX/XXXX XXXX-XXXX. As I have disclosed any card details to anybody and I was in my county I.e XXXX. XXXX and their bank not cross verified XXXX card details during travel. Please ask the company to refund this money and catch this fradulant person. As a citizen I informed my bank in 10 minutes and later informed 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 2018-01-03 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: TX

Complaint narrative:
I have notified Experian of unauthorized credit inquiry 's I would like them removed from my credit report. Accounts are stated below 1. XXXX Credit Card XX/XX/XXXX 2. XXXX/ XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive applied for a personal line of credit from Wells Fargo, XXXX, XXXX, XXXX. 
With the intent to pay off my credit card debt. 

My plan is to pay off all my cards, close the accounts and pay off the remaining balance of my personal lines of credit. I 've struggled to pay off all of my cards because interests rates are going up. I 've transfered a balance from one credit card to another credit card but dinner than later the interest rates start to give up again and I can never accomplish my goal.

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 2018-01-03 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:
I have notified Transunion of unauthorized credit inquiry 's I would like them removed from my credit report. Accounts are stated below 1. XXXX XXXX XX/XX/2017 2. XXXX/ XXXX X/XX/2017 3.  XXXX/ XXXX X/XX/2017

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 2018-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, A Bank of America credit card was fraudulently opened in my name. 
It was my understanding that the thief stole my complete identity, even opened a checking account in my name. 
I got to know of this in XX/XX/XXXX when I tried to purchase a vehicle and got declined. 
I have filed a police report since then and notified Bank of America and the Bureau about this fraudulent account. 
Bank of America have literally not removed this account off my XXXX and XXXX credit reports despite the fact the notified me through their collection team they will do that. 
Their negligence have costed me to pay high interests on my credit cards e.t.c I am asking CFPB to Intervene as the next action will be a lawsuit to get back all of my losses. 
I need the fradulent account removed and a compensation of {$1000.00} for violating the credit bureau reporting act. 


Account info : Bank of America XXXX Date Opened XX/XX/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 2018-01-03 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:
I have notified Equifax of unauthorized credit inquiry 's I would like them removed from my credit report. Accounts are stated below 1. XXXX XXXX XXXX XX/XX/2017 2. XXXX/ XXXX XX/XX/2017 3.  XXXX XXXX XXXX XX/XX/2017 4. XXXX XX/XX/2017 5. XXXX XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX was the name of the original creditor. I paid the copay and insurance covered the remainder of the payment. There is no due balance yet a credit collection agency named XXXX XXXX XXXX is attempting to collect a total balance of {$590.00} as of XXXX 2017. XXXX XXXX has no records of a balance of {$590.00} passed due for me.I have contacted XXXX XXXX XXXX and the company only removed the collection from my XXXX report. I would like this removed from my XXXX and full credit report as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BOEING EMPLOYEES' CREDIT UNION
State: AZ

Complaint narrative:
I was struggling financially due to having to take some time off of work for personal medical issues. I had just under enough in my checking account to pay for my car insurance in XX/XX/XXXX. This did however cause my account to become overdrawn, resulting in a {$25.00} NSF fee, which I have no issues paying. However, since then, several other charges which I did not authorize were attempted on my account, some multiple times, resulting in approximately {$400.00} or so in NSF fees. I have not had a lot of time to manage this account due to my grandmother having been on XXXX, and eventually XXXX in XX/XX/XXXX, but have received dozens of letters regarding fees, and BECU threatening to charge interest on these fees, which I never agreed to. In addition, the constant negative balance on my account has made it difficult to pay my credit card and personal line of credit. At the time of writing this, I have no issues with bringing the balance to a positive one, but 90 % of the negative balance consists of NSF fees for charges I did not authorize, and I will not pay them. 

I spoke with a representative from BECU who agreed to have her manager call me back, however, it has been several days, and I have not received a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
Ford motor credit continues to report a default from over 20 years ago. 
They need to remove this all together

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Kentucky Higher Education Assistance Authority
State: AL

Complaint narrative:
Hi my name is XXXX, I have been in contact with a company called Kentucky Higher Education assistance authority, This company has used every deceptive skill available. Whenever I would ask for verification into what company are who I was dealing with, I was always given misrepresentation and received some form of harassment. I still do n't know if the company is a collection agency or are they the XXXX XXXX. I feel from the deceptive forms of communication I have received from this company is brutal and unfair. I reached out to this company after receiving correspondence about a student defaulted student loan. Once I asked them to verify who I was sending information to, I was held in contempt for refusing to verify demographics. From my understanding of the law this company should not have been able to proceed with wage garnishment if I was working with them to rectify the problem. They constantly harassed me with threats of wage garnishments and said that my income tax was due to be garnished as well. The more information I sent this company, the more information they used against me. I worked three extra trips in XXXX to be able to pay off classes at XXXX XXXX in XXXX of XXXX. So, I could continue taking classes in XXXX. My wages was garnished for XXXX on the XXXX of XXXX and on the XXXX of XXXX a total of XXXX or more. I cant understand why I did not receive a thirty day notice stating the exact dates the wage garnishment would go into effect. I also cant fathom that this company still has n't told me if they were working on behalf of a collection agency or a private student loan company.., or the XXXX XXXX. I reached out to the XXXX XXXX for assistance and ask if they could contact me if they were indeed the XXXX XXXX. I never heard back from XXXX XXXX XXXX. I was asking for assistance in seeking out information into whom or what company I was dealing with, however I did hear back from XXXX XXXX once I faxed my personal information to Kentucky Higher Education Authority thanking me for submitting my information to him ( supposedly the XXXX XXXX ). I replied back that I did not send them information, however, confused still. This company XXXX  XXXX has violated so many of my rights. I also cant believe how the XXXX XXXX could form an in-biased opinion if they are working for or with the legal team for XXXX. I asked if this was a private company how come I was n't issued a court date or judgement. I guess since I do n't know who I have been dealing with from the start I started looking for legal counsel.

Company response to consumer: Closed with explanation