vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-25 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: AZ

Complaint narrative:
I am a victim of identity theft. I never applied for the following credit card accounts. The following accounts listed on my XXXX XXXX, Equifax and XXXX credit report, are all fraudulent : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 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: AZ

Complaint narrative:
I am a victim of identity theft. I never applied for the following credit card accounts. The following accounts listed on my XXXX XXXX, XXXX  and Experian credit report, are all fraudulent : XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2018-06-25 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: TX

Complaint narrative:
Incorrect information in my transunion credit 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 explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CapitalOne refuses to unblock my account from allowing external app access.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: AES/PHEAA
State: WA

Complaint narrative:
Made payments, verified taken from bank account, and never showed up towards loans on XXXX XXXX website. They are stealing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stanislaus Credit Control Service, Inc.
State: GA

Complaint narrative:
I was checking my credit report because I received an alert stating a collection was placed on my report. I don't know who this company is or why they reported debt to my credit. I haven't received anything from this collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Every month I make both my credit card and Autoloan payments in person at chase bank locations around XXXX XXXX California. I make these payments by check in person and generally the tellers are knowledgeable about my account balances, minimum payment amounts, and payment due dates. I needed to rely on them because the Chase App would constantly log me out and block me from seeing these balances. It typically is very difficult to log back in and is in my opinion a waste of an hour and a half each attempt ; since it would just happen again a few days later. In XX/XX/XXXX I initiated a balance transfer between XXXX XXXXXXXX XXXX and Chase bank. The purpose was to pay down the Chase Credit card all the way to XXXX. The transfer was completed although unknown to me there was an interest charge which actually kept a balance. 

For the next two months I would go into Chase Banking locations to continue to make check payments on my auto loan. When I asked the tellers each month if I still had a balance on my credit card, they told me no that it was XXXX. In XX/XX/XXXX, I was surprised to find out from a senior teller that I did actually have past due payments required. Obviously I made a scene in the branch and demanded to speak with the Branch Manager. I asked her to please submit a complaint and resolution request to her central offices. she denied my request and stated that I should have been reviewing the payments from my chase app. She said it was my fault for not knowing I needed to make the payments. I told her that I would purposefully visit Chase Bank locations in order to receive updates about my accounts and to make payments in person. If the tellers from XXXX and XXXX would have informed me that a payment was due on my credit card, I would have paid it to XXXX.I even asked her for disclosures, I was denied and that I believe is also a violation of Chase Bank against their Charter. 

I even complimented the teller that informed me about the passed due payment. Without her help my credit would have been effected much more severely by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase has locked me out of my account on their website and I can not seem to get it recovered. Trying to sign in with my username and password pulls up a prompt for a 2 Factor Authentication code texted to an old phone number that I do not have anymore ( I recently changed it and forgot to update it on a few sites online including this one ). The normal process for many websites and 2FA issues is to submit proof of identity, but I am having repeated issues doing this with Coinbase with little effort on their end to help resolve the issue.

After clicking the option that I no longer have the phone number ending in ( my old number ), I am taken to a " coinbase account recovery '' page that asks to upload my state ID and a picture of myself to verify that I am who I say I am and to recover the account. I am not sure what is wrong with their program, but I can not get the system to verify me no matter what I do. I have taken clear photos of my ID multiple times with my new XXXX smartphone, and for the picture of myself have used said phone camera as well as a laptop webcam, but no matter what I try to use their system refuses to accept the valid ID and photo of myself and will not recover my account. 

After this, I tried contacting Coinbase customer support through an online field submitted to them, detailed with this information that I no longer have my 2FA phone number, that I can not sign in to my account, and that their recovery systems are not working and put in a request for another way to verify my identity and recover the account, such as sending a copy of my social security or birth certificate, for example, or having a support agent personally check the ID and " selfie '' online if their automated system is having issues.

I received an email from Coinbase Support within two days after, with what seems to be a canned response. It simply lists the steps to start an account recovery process using the automated method that above I stated is not working, so this was not helpful in recovering my account, as well as a few " tips '' for a successful validation that did not work for me. Furthermore, I was hoping to respond to this email with a further request for something to be done as this did not help me get my account back, but I have no further way to respond to the support ticket filed. The link in the email to follow to view the ticket status and add comments, etc does not work, clicking it simply redirects to the general support FAQ page.

The fact that I can't recover my account in a timely manner isn't even a big deal, what's frustrating is that their recovery systems will not work even though my identity is accurate and true on the ID and photo submitted, and when I inquired on why it wasn't working and how to get my account back if it wasn't working, they simply sent a canned response and won't even give me a method to reply back for a different solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am very sick i have XXXX XXXX i opended a bank account with wells fargo and its been a total nightmare i had all my goverment money deposit to my bank account then i tried to withdrawl some my card declined i called and spoke to a representative she didnt know what she was doing i was on the phone with them for more than 2 hours and according to them it was a system error so they said use your card it should be working there was a blocked but we removed it so i tried using it again declined so at this point im upset im on hold again and after 30 minutes they answer and said the department i have to speak with its close till the next day so i wait the next day i go to the branch they called the bank i was there for a pretty long hour and a half finally the banker said ok problem solved i go home tried to pay my phone bill my card declines again why? I dont know i have XXXX in my account so then i got on the phone with them again they transfer me like 4 times to end up telling me the department i have to reach its closed again, at this point im so XXXX i need my medication i have no cash and i have bills to pay that wont wait so ive been like this for a week already today i called again and they said nothing its wrong with my account so i said so why cant i use my debit card so they said u know what i see a block in your accout you have to step into the branch are they kidding me again? So i asked to speak to a manager they said that department thats handling my account are closed today so i said no transfer me to a supervisor now the supervisor got the phone and hunged up on me and im so upset this is not the way to treat a human being its my money i need my medication its not fair.

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 2018-06-25 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: KS

Complaint narrative:
Please be advised XXXX XXXX operates as a third party collection agency, and from my research is not the current holder of this alleged debt. Because of the fact XXXX XXXX has no legal standing to report this alleged debt to any credit bureau. I am requesting that XXXX XXXX be barred from access to the credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have had a Bank of America Credit Credit card for more than 11 years ... no late payments even once ... I am traveling ooh of state, could not use my credit card ... when I call BOA they explain that my account has been closed 4 days ago, can not tell me the reason for that, they said the only way to fix it to apply for new CC ... it was very inconvenient because I could not pay my bills on time and I have to transfer money from my aging account to my checking account and of course I have to pay high fees.

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 2018-06-25 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: TX

Complaint narrative:
On XX/XX/XXXX I disputed all 3 credit Bureaus via postal service on account with XXXX XXXX account number XXXX asking for verification not validation of this debt because of its inaccuracies. It is my complete understanding that a debt placed on my personal credit report should be 100 percent accurate and verifiable at all time and must match. All 3 responded as the debt had been verified. I then sent another dispute to the credit bureus via certified mail on XX/XX/XXXX and the same response was given the debt was verified. I contacted the XXXX XXXX for documents and I havent received a response to date. I then filed a complaint with you all please see complaints # EQUIFAX-XXXX XXXX XXXX Most I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this tradeline, and the results came back either verified or updated ''. There are several inaccuracies across all three credit reporting agencies. I have attached copies of the reports that they are each reporting. i would like justification on what method of verification they used and why they are allowing these inaccurrates to continue to hinder my life. I am filing with the attorney general on XX/XX/XXXX and preparing for a lawsuit. As i have a solid paper trail of these discretions.

*open dates are all conflicting *XXXX is even claiming a payment of XXXX was made? How is that when its a charged off account. Which makes them all have incorrect balances? 
*Charge off accounts are acknowledgement that the debt is uncollectable and lets the IRS give a tax credit. So the balance would be XXXX. Each report is reporting a balance whether wrong or not. 
*HOW CAN A CHARGED OFF ACCOUNT THAT SHOULD BE REPORTING XXXX SHOW A PAST DUE BALANCE AND A BALANCE AMOUNT? 
That is clear vioation of myrigthts as of the consumber law 623. which states that Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. 


DELETE THIS UNVERIFIED ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was never notified I could release a cosigner when I asked this specifically. I spoke with a representative and asked if I could do anything to get my cosigner name off the loan. This was several years ago. I have an extra girlfriend on my loans as a cosigner and wanted her name off. That is wrong to not notify me that I could release her.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: Solomon and Solomon, P.C.
State: CT

Complaint narrative:
Solomon and Solomon pc account paid and closed as of XX/XX/2017. Asked for a letter of closure never recieved it. It is still showing up in my credit report as a collection debt, negative reporting. They have not yet taken it down or sent me a letter that the account is paid in full and closed. Need to take action to take it down, they are refusing to take action. This is causing conflict in employment and carrer advancement along with rental and credit history.

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 2018-06-25 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: NV

Complaint narrative:
Since XXXX I have paid child support to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. The account was listed as active and last accessed late XX/XX/XXXX. It has come to my attention via recent activity on my credit report that XXXX XXXX XXXX XXXX XXXX has opened a case as of XX/XX/XXXX. This means that 2 child support cases were opened and being acted upon at the same time. 

To date, I have received no information from XXXX XXXXXXXX stating that my child support case has been closed or transferred. I ask that the XXXX XXXX XXXX XXXX XXXX item be removed from my credit report until XXXX XXXXXXXX provides an audit of all payments received from XXXX to XX/XX/XXXX along with a refund of all funds collected after XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX has not provided me with official documentation detailing why this account was opened or when and how the balance was determined in the purported transfer. 

XXXX  XXXX XXXX XXXX XXXX is harming my credit report with late payments that accrued while I was unaware of these activities and still attending to the open XXXX XXXXXXXX case. This dept. is currently receiving payments. XXXX is displaying an inaccurate balance owed because my IRS tax refunds over {$2000.00} have been intercepted but it's unclear which of the open cases have collected those funds between XXXX and XXXX. In any event, there should no more than {$1500.00} owed. 

XXXX must supply any and all documentation it received from XXXX  XXXX if this is a legitimate account.

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 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Let me preface what Im about to describe by stating that even after hiring a lawyer, we were never told about filing a complaint here, nor were we told the bank/lenders actions were wrong ... maybe illegal?! That will explain why I am just now filing this claim/plea for help. 
During the housing crisis of 2008, unbeknownst to us, Countrywie Home Loans sold our home loan to Bank of America ( BOA ), This triggered a set of events that we continue to battle to this very day!

We were never notified in ANY way that our loan had been sold AND the terms of the loan had changed until our automatic payment ( s ) were returned by Countrywie. It was at that point we were informed our loan had been sold and terms changed via BOA. Bank of America notified us that the payments were returned because we had not been paying the full amount due to the change in loan terms/payment amount, and if we didnt pay $ x we would face forelosire!! 
To make a long story short, we nearly lost our home to foreclose ... we were even encouraged by BOA to stop making payments so we would qualify for assistance! Fast-forward to today ... not only did we lose tens of thousands of dollars in trying to correct a situation that should have NEVER happened ... thanks to BOA, but ou credit has been irreparably damaged! 
I truly wish we had known about this claim process as an option when this situation began. It is my hope at this point that either we can recover funds for which we still believe we shouldve never had to pay or that our credit can be restored so we can finally move on with our lives post BOA credit damage! 
BOA has made our lives a living nightmare for almost 10 years! 
Any help you can provide is greatly appreciated! Thank you!

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 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I told the customer service rep, not to let any charges to go through from XXXX XXXX XXXX ( {$500.00} ) last week. Also I told the rep if I didnt have funds in my account do not let any charges go through my account. Suntrusts and the customer rep continued to ignore me and charge unlawful fees. I have canceled this debit card and Im going to start a lawsuit if they are not going to put the money back in my bank account.

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 2018-06-25 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-06-25 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: WA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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