vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I paid XXXX a collection agency to be removed from three co signed XXXX XXXX loans. In XX/XX/XXXX, the loans were still on my credit reports. I disputed with all three credit bureaus and XXXX XXXX. XXXX said I had a XXXX  balance, and I was not attached. All three credit bureaus said that XXXX told them the account was charged off/ and I still owed a balance. In XX/XX/XXXX, my lawyer was contacted by a collection agency trying to get the money again. In the years XX/XX/XXXX-XX/XX/XXXX, I have been denied credit because of this and as one bank personnel stated, This is the only negative thing in you report, it seems uncharacteristic based on your report. So finally I disputed it again. Now my credit reports have added the interest on the loan and my loans state that they are still currently charged off and I owe even more interest. My credit report score went down for the dispute.

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 2018-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Credit Collections Services is reporting on my credit report fradulently. I've contacted Credit Collections Services and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also didn't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: NE

Complaint narrative:
I received notice this week that my credit score with Experian dropped 39 points due to my credit history category changing from excellent to good. The change was noted to be a result of the oldest acount on my record closing at the end of XX/XX/XXXX. 
I did not close the account. It was in good standing with a XXXX balance for over a year. It did not close due to ANY financial misstep on my part. It closed because the company ( XXXX ) went bankrupt and closed the chain of stores my account had been with for three decades. 
The loss of available credit can not possibly warrant a 39 point drop because my major credit card recently INCREASED my credit line, virtually the same amount, thanks to my excellent payment history with them. So my total credit available has barely changed. 
I am filing a complaint with Experian as well but want to let them know that their business practices, which penalize the consumer for the poor corporate management strategies of companies they do business with, is ridiculously misdirected and has been reported. Id like the 39 points restored and my excellent history left intact. Thanks to Experians actions, my good credit rating dropped to Fair and puts me at possible financial risk going forward.

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 2018-07-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my credit report from XXXX, many erroneous account showed up including multiple inquiries which were unauthorized. XXXX XXXX reporting on Account XXXX  that I owned them for an acct opened on XX/XX/XXXX for the amount of {$980.00}. No original creditor listed however the report stated my last payment was XX/XX/XXXX so was my last activity. XXXX  told me to send a letter for they could not find said acct over the phone. 

XXXX also report an account from XXXX XXXX XXXX  XXXX acct XXXX. I want that account to be erase  from my report for I have no knowledge of said account. They report it as revolving, closed and late however no percentage of the credit was uses but I have a high balance. They report an acct # XXXX   from XXXX XXXX XXXX with no original debtor for {$480.00}. They also report an acct # XXXX for {$550.00}. XXXX  did investigate these accounts when I reported them and they still leave them on my credit report. None of the accounts have ORIGINAL debtor Listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I applied for a USAA Secured Credit account approximately two months ago. After putting a certificate of deposit ( {$250.00} ) to serve as collateral, my account was approved.

I have been using and making steady payments on the account up until now. This month 's statement balance was the first time I ever had paid an available balance in full.

I made the available balance payment ( in multiple transactions ) two days early than my statement closing date. The payments I made posted a business day before my payment was actually due.

USAA is refusing to apply the balance towards my credit limit ( restore my credit limit ) ; while the balance is applied towards my account, the use of my card is limited.

USAA gave several reasons as to the case : 1. Payments were made with an external account and the credit card was too young - I have been a customer with USAA for over 3 years, and have used only this account to externally fund the approximately nine ( 9 ) diverse accounts I have with them. This external payment account is with Chase bank, and the routing number and account number have been given to USAA prior to opening the account.

2. USAA wants to be sure that they are getting the money - this is the most insulting thing I have ever heard from a bank, especially one of USAA 's caliber ; the card is secured against a deposit, which USAA can reclaim in any event my financial obligations are not met.

3. USAA stipulates that they have the right to increase, reduce, cancel or suspend any credit line - the lack of application of a paid amount to a credit line doesn't normally constitute a credit line reduction or suspension. It does however, indicate USAA 's purposeful neglect in adhering to the terms of its own agreement - where payments made will be credited to the account the same business day ( though this means the account, not the credit line, this does not mean to say that USAA can abuse this power ). At any rate, USAA should not abuse this clause.

I have a hold of 7 days on the account for a 30 day billing cycle. Translated yearly, this equates to a nearly three ( 3 ) month loss of use every year. Further, I was so ecstatic about receiving a credit card from USAA that I increased the credit limit ( by increasing the CD amount ) by {$100.00}, making the total amount of secured credit offered to me at {$350.00}. This also received a payment hold. When I spoke to USAA credit card customer service, they informed me that credit line increase holds were defined in my credit card agreement ( a rather full version is found at XXXX XXXX XXXX XXXX XXXX XXXX ), but could not tell me specifically where such a stipulation or clause was present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
I have advised Accelerated Financial Services of of this fraudulent account being reported on my credit file. I have advised them that it does not belong to me and is the result of identity theft. However they have refused to cmply with he law to remove it. I have mailed in a copy of an FTC report. They ignored it and sent icopies of stolen, forged docs to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am providing information that the State Bankruptcy Court does not report to any of the 3 Credit Bureaus. However, XXXX, Equifax and XXXX  all are reporting these State Bankruptcy Court proceedings, on all 3 of my credit reports. I am requesting that these State Bankruptcy Court Reportings be IMMEDIATELY REMOVED, from my XXXX, Equifax and XXXX  Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The entire loan was a rip off from the time I got this used car XX/XX/2018 from the dealership, there were issues and Chase inflated the monthly price of a car with mechanical issues. The dealership lied about many aspects of the car. The cars original value was {$15000.00} and the Dealership and Chase included items that werent disclosed, to have me pay more than the car is worth. XXXX XXXX is also XXXX and has threatned to leave me without a car knowing Im XXXX and XXXX. This entire process was Chase discriminating against me due to my XXXX and poverty. Id like an investigation into XXXX XXXX business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am providing information that the State Bankruptcy Court does not report to any of the 3 Credit Bureaus. However, TransUnion, XXXX  and XXXX all are reporting these State Bankruptcy Court proceedings, on all 3 of my credit reports. I am requesting that these State Bankruptcy Court Reportings be IMMEDIATELY REMOVED, from my TransUnion, XXXX  and XXXX  Credit Reports.

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 2018-07-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am providing information that the State Bankruptcy Court does not report to any of the 3 Credit Bureaus. However, XXXX, XXXX  and Experian all are reporting these State Bankruptcy Court proceedings, on all 3 of my credit reports. I am requesting that these State Bankruptcy Court Reportings be IMMEDIATELY REMOVED, from my XXXX, XXXX  and Experian Credit Reports.

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 2018-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2018, I transferred XXXX Bitcoin ( {$1000.00} USD at the time ) from my GDAX   account to my Coinbase account. The balance in my GDAX account went to XXXX BTC. When I checked my Coinbase account, the balance was also XXXX BTC. Effectively my Bitcoin balance just disappeared entirely. 

I created a ticket with Coinbase to resolve the issue and it turns out there was a bug on their side which caused the BTC I transferred to be sent to my old deleted account, making it impossible to access the BTC. It has been almost a month with no updates from Coinbase and I am completely unable to access these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: NV

Complaint narrative:
Experian, fraud specialists advised me that in reference to my dispute of the Chapter XXXX Bankruptcy fraud reported on my credit report from XXXX XXXX, Alabama. That if XXXX, and XXXX  removed they will remove. XXXX, XXXX both advised me that there is no proof they can send to Experian to show removal. However, I am asking Experian to remove as well. I can provide my updated XXXX XXXX info. Please see attached.

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 2018-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: HI

Complaint narrative:
On XX/XX/XXXX, I contacted Nelnet in regards to what my repayment options were for my student loans. The representative asked for my updated contact information, which I gave them. After explaining what my repayment options were, I was emailed an application for income based repayment and told that it would be pre-filled out with my current contact information. 

Later on that day, I received the application as the representative stated with the correct contact info, filled the rest of the form out and sent it back via email. 

For the following 4 months, all of my loans remained in good standing and were listed as current on my credit report. Flash forward to just a week ago and I find out that I am suddenly 2 months behind and have negative marks added to my credit report due to both XX/XX/XXXX and XX/XX/XXXX payment statuses being reported as late. I had no idea I had fallen behind since I had not done anything differently on my repayment since first contacting them in XX/XX/XXXX. 

When I contacted Nelnet again on XX/XX/XXXX, the representative I spoke with read off the wrong contact information to me when we connected on the phone. I once again gave him the correct info and he relayed to me that the reason why my payments were marked as late is because they did not have updated contact info for me. 

I let him know that I had electronic proof of them having the correct contact info from the pre-filled form they sent me back in XX/XX/XXXX. He apologized and told me there was nothing he could do to remove the marks on my credit history and once again forwarded another application on to me to fill out. 

I once again filled out another income based repayment application and sent it to the proper email address as instructed. It is presently XX/XX/XXXX and I still have not heard back from Nelnet about what my repayment options are. I'm extremely worried because I do not want to have any additional negative marks added to my credit report and I am making the effort to communicate with this company to responsibly resolve my debts. 

I contacted Nelnet again on XX/XX/XXXX via chat about once again disputing the information posted on my credit report and the representative I spoke to even gave me another address they had listed for me that was incorrect and had never been one of my former addresses. He also told me there was nothing he could do to correct matters and that I'd have to type up a letter and fax it to the disputing department. 

Seeing that I have made attempts to contact Nelnet and have proof of them messing up my contact info, I am requesting these two derogatory ratings be lifted off my credit report due to their own errors in updating my records. I should not have to deal with a drop in my credit score because of something they did incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: TX

Complaint narrative:
I filed a complaint with the CFPB to get validation for the XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

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 2018-07-27 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: TN

Complaint narrative:
I have sent letters repeatedly to Equifax, XXXX, and XXXX  asking them to validate and even show me their method of verificatiion for these fraudulent accounts on my record. I have sent numerous letters to the creditors and this bankruptcy court in XXXX, TN only to have my letter returned right back to me more than twice. I am reaching out to the CFPB for some kind of resolve before I seek legal action. 

The following accounts and inquiries are not mine : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Bankruptcy Chapter XXXX - Dismissed - XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got a phone call from a company which claimed that they were associated with Chase. They claimed that they would on behalf of me to negotiate with bank to reduce my interest rate. The company asked me about the credit card numbers, zip code and social security numbers. They used their system to tell me my credit card balance. I suspect this company is a cybercrime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: TN

Complaint narrative:
I have sent letters repeatedly to XXXX, XXXX, and Transunion asking them to validate and even show me their method of verificatiion for these fraudulent accounts on my record. I have sent numerous letters to the creditors and this bankruptcy court in XXXX, TN only to have my letter returned right back to me more than twice. I am reaching out to the CFPB for some kind of resolve before I seek legal action. 

The following accounts and inquiries are not mine : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX Bankruptcy Chapter XXXX - Dismissed - XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-07-27 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: TN

Complaint narrative:
I have sent letters repeatedly to XXXX, Experian, and XXXX  asking them to validate and even show me their method of verificatiion for these fraudulent accounts on my record. I have sent numerous letters to the creditors and this bankruptcy court in XXXX, TN only to have my letter returned right back to me more than twice. I am reaching out to the CFPB for some kind of resolve before I seek legal action. 

The following accounts and inquiries are not mine : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX Bankruptcy Chapter XXXX - Dismissed - XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX 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