vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I wired {$22000.00} to my Coinbase/XXXX  account on XX/XX/2018. I sent the funds before XXXX XXXX time, which means the funds should post to my account the same day. It has now been a month and my funds still havent appeared. I have made MULTIPLE phone calls to Coinbase/XXXX, I have also sent NUMEROUS emails as well to no avail. I am literally at my wits end because this isnt a small amount of money and there is no reason why my funds arent yet available. CFPB PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Student Loan Care, LLC
State: MI

Complaint narrative:
I was charged {$42.00} per month for the past year, XX/XX/XXXX through XX/XX/XXXX via an online payment system called XXXX XXXX as a service fee for consolidating my loans and managing my account through a third-party company called Student Loan Care. My official student loan servicer informed me that Student Loan Care was essentially committing fraud by charging me a service fee. Student Loan Care also sent me daily emails about the annual re-certification process for student loan forgiveness and requested that all correspondence go through them instead of my official servicer. When I questioned my official loan servicer about this, they informed that that is suspiscious activity from Student Loan Care, and that I should not be paying any fee because my loans have already been consolidated with them via the Department of Education and that I have no fees to pay according to their records. I was also recommended by my official loan servicer to file a complaint with the state 'Consumer Bureau, ' alert the Department of Education about the suspected fraud, and seek legal council.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I placed a freeze on my credit report related to multiple reports of identity theft with Trans Union and the others to reporting agencies XXXX and XXXX. I applied for a mortgage loan and as informed that I would have to have the credit freeze lifted from all three agencies to apply for the loan. XXXX and XXXX responded and lifted the credit freeze within moments. TransUnion refuses to lift the credit freeze without a pin number that they claim they sent to me on XX/XX/2018. I have not received this pin number and I have informed TransUnion daily for the past 5 business days. Each time I called I was transferred to special handling and told over and over again that the pin number was mailed out on XX/XX/XXXX and to allow seven business days for the letter to be received it has been nine business days and I still have not received any communication from TransUnion. The TransUnion representatives will not help in any other way other than to offer me another mailing of the pin number in the interim. I am losing thousands of dollars in a frozen transaction with the purchase of a new home!

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 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: OK

Complaint narrative:
XXXX XXXX  attempting to collect money not owed by me. this debt has been disputed with all three credit bureaus and was removed in XX/XX/XXXX when it was reported by a different collections agency. I was then reported again in XX/XX/XXXX again it was disputed and removed by a 2nd collection agency. Now reported in XX/XX/XXXX by a 3rd collection agency removed by XXXX and XXXX for a 3rd time but now XXXX somehow after removing it as invalid/fraud, they are stating it will remain on my XXXX, This is not my debt i have never had nor lived at the service address reported by Allied Interstate. how can this company keep reporting this invalid account to my credit file after it has been removed 2 times previously. 

First ReportedXX/XX/XXXX Original CreditorXXXX XXXX XXXX  Creditor Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX, OH 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 2018-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My wife and I filed bankruptcy and the court took half of our income tax return. We received a check for XXXX and deposited it at the BANK of AMERICA atm machine. It was a out of state check that said trustee on it. When the deposit was complete to our surprise it said a hold was placed, without telling us. We contacted the bank and were given no reason why and was told there was nothing they could do. The hold was for two weeks. We have been with this sorry bank for over ten years, never bounced a check nor done anything to deserve this ridiculous and excessive wait time. I want to file a formal complaint ...

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 2018-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I contacted CashNet USA to request a 60-day Grace Period Deferment on XX/XX/XXXX. Was notified that I should respond to an email regarding the proper procedures and to have all requirements documents submitted by XX/XX/XXXX. I faxed in my signed agreement and forwarded an email ( 4 separate times on XX/XX/XXXX and 2 more time on XX/XX/XXXX ) from the credit reporting agency to CashNet USA onXX/XX/XXXX. Despite having submitted my forms by their due date, CashNet submitted my loan repayment in XX/XX/XXXX causing my checking account to reflect a negative balance, including overdraft fees. I contacted CashNet on XX/XX/XXXX and was given various reasons as to why the repayment was submitted then was told I will be contacted within 24 hours after reviewing the recorded conversation with the representative from XX/XX/XXXX. No one reached out to me in any way. I called CashNet again on XX/XX/XXXX to follow up with them. After being placed on hold several times, I was informed that the repayment was already submitted to my bank and there was nothing they could do. This was after they found that my deferment should have been granted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: AK

Complaint narrative:
Credit reporting agency is reporting collection accounts that do not belong to me. They refuse to send me what they are using to validate this account. These collections are from supposed chargeoffs. However, there are no chargeoffs from the so called origional creditor on any credit report. How are they validating this???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 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: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
To whom it may concern, In XX/XX/XXXX I noticed I had a bigger than normal monthly payment due on my Chase Credit Card which I use mainly like a checking account. I pay all my bills and expenses through this credit card account. I inquired about the purchases that month and realized that many of them I had no idea what they were and how they got on to my account. I have been for the past year working on starting my own company and honestly havent had time to sit down and review each purchase for months of statements. I then decided to hire an accountant to oversee all my finances and the history of each account. His name is XXXX XXXX and was referred to me by a close friend. After a month of researching this account he discovered the massive fraud that has been taking place in my Chase credit card account for years. The fraud dates as far back as XX/XX/XXXX. The charges are total for the 2 years are adding up to approximately {$76000.00}. Chase is working with XXXX XXXX who is representing me on my behalf and has met some resistance trying to get the fraud clear up with charges that are older than 6 months ago. Since I just re3cently discovered the fraud I fell that Chase Bank USA should credit me back of all the fraudulent charges from when they began till the day I shut down that credit card. I just want in a resolution the fraudulent charges that I paid for credited back to me in a timely manner. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: Navient Solutions, LLC.
State: WA

Complaint narrative:
In 2004 i took a loan out to attend XXXX XXXX XXXX how ever they made the school sound like they really help you. Wrong they got my money then did nothing to help students find work even while in school. They knew even before I started that I was from a single parent family with my mom on XXXX XXXX. XXXX was one steak people involved in the student finances department. Fast forward to now over the past almost ten years ive taken a pay cut from {$40000.00} under {$20000.00} per year and just this past year i barely made XXXX. As years go by anytime I could Afford to pay I would. There was a period of 3 months of up to 8 calls a day from over 17+ phobe numbers. I explained my income to bills and that i could only afford XXXX  per month. I would get emails and letters about new income driven payment plan. Navient and XXXX XXXX customer service use bullying tactics interupt me and talk over me in very agressive tone. I suffer from XXXX and it has only got worse with there excessive and harassing phone calls. Im not lazy im from a low incone family and was only trying to better my life but have been taken advantage of by XXXX and navient. I got bullied into a income driven payment plan or tgey threatened to send my account off abd said they would file a judgement and wage garnishment. Ive told navient I work under 30 hours per week and also work for a XXXX Because the payment was XXXX per month i could not afford to keep up and still pay for the basic to live such as rent utilitys and grocerys. The pwrson who is deaking with my acount in the accounts recovery department was XXXX very degrading by talking over me when i was talking and kept saying this us 14 years old your not going to pay half your rent. I almost hung up as he was so agressive. I layed out what i could do and now he wants me to try 3 different lending companys that i know wont aprove me. Not to mention tey made two settlement offers first on was {$24000.00} and second obe was {$18000.00}. How when I make maybe XXXX  a month with no retirement savings nothing! Can I get {$18000.00} in 5 days. If you need copys of phone records i will have those in a week or so. They say they want to work wirh you but they just insult and bullie me. I have 3 weeks of school left to finidh my BA in nutrition science and have wome job leads but i cant force a company to hire me. Im not even sure legally they can collect on debt that old. In wa state debt collectors/navient can only call 2-3 per week or per ay not sure but 7-8 per day is harassment. Ive tried to work with them but its getting to he point where i cant handle the aggresiveness. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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:
URGENT- XXXX XXXX reported 30 day late pay to all credit bureaus and now we are being declined on our home purchase a week before closing. I have contacted XXXX, the Credit Bureaus and sent credit disputes with documentation to get the FALSE reporting removed. This has caused us to lose our home and now car purchase and we are desperate to get help to resolve this quickly. Outlined below are the chain of events leading to the false reporting.

Payments due on the XXXX  of the month XX/XX/XXXX - Payment made- ( XXXX   showing late pay for XX/XX/XXXX )XX/XX/XXXX Vehicle was STOLEN XX/XX/XXXX- Vehicle was declared total loss by insurance and notified XXXX   about the payment and Gap insurance At this time XXXX sent to Total loss department and no longer was able to provide me information online or over the phone about payment status XX/XX/XXXX- Contacted XXXX  to verify insurance payment was made they could not assist because it was already in total loss. I asked if a payment needed to be made so it does not negatively hit my credit because I am in the middle of home purchase. They no longer had payment due showing on their end, BUT I made a payment ANYWAY in the amount of XXXX to be certain this would not affect me. They reassured me the payment would be posted the same day and I would be getting the money mailed back for overpayment after the file was closed.

XX/XX/XXXX- Car Payment cleared from bank ( Transunion showing late pay for XX/XX/XXXX XX/XX/XXXX- Receive a credit notification my credit was negatively hit with a late pay and droped score by over 100 points I have called in tears for weeks and nobody can assit with this, I lost my home and now unable to get a car due to this reporting. I HAVE NEVER BEEN LATE AND SPENT 2 YEARS BUILDING MY CREDIT FOR THE HOME PURCHASE AND NOW MY LIFE IS RUINED, XXXX   reported to XXXX last payment wasXX/XX/XXXX- 30 days late pay for XX/XX/XXXXXXXX  reported to Transunion last payment wasXX/XX/XXXX- 30 day late pay for 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 2018-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
Credit reporting agency is reporting collection accounts that do not belong to me. They refuse to send me what they are using to validate this account. These collections are from supposed chargeoffs. However, there are no chargeoffs from the so called origional creditor on any credit report. How are they validating this???

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 2018-03-16 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: IL

Complaint narrative:
Have advised all 3 bureaus that I am a victim of ID theft have submitted police reports, ID Aff. and they refused to remove the accounts that are included which are : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and 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 2018-03-16 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently contacted Equifax and also filed a previous complaint with Equifax back in the beginning of XX/XX/XXXX the company told you that they were working on getting back in my account and also having it to where I could access my credit file online with my confirmation number. I was required to fax the disputes department my personal identifying information to remove wrong and inaccurate name and address from my credit file. I did that and they removed it but on XX/XX/2018 I received an alert where the information has been reinserted. I tried to go online and here again Equifax has blocked me from seeing my credit report online. I am unable to dispute anything online or even see my credit file for that matter. After trying for the 10th time in two months to access my file online I get the same error message that says the information you provided does not match our records. When I clearly gave them everything they asked for which was my social date of birth and address. Yet and still I am unable to get on my report. There are several address that I have told them and sent proof that I have never lived at those places and one of the addresses are actually not even a real address and yet it keeps reappearing back on my credit file. Every time I call them they tell me that only one address is showing but on my XXXX XXXX all of the unknown addresses are continuously listed on my credit report. I can't understand why they have me fax in proof of identity when they are still going to let these companies report erroneous information on my credit file. I have told them several times that my file was merged years ago and they still yet let this stuff be placed back on my file. I can not really understand how you all continue to let these companies get away with this. There are so many bad complaints and reviews on this company but yet there is nothing we can do about this and these are the companies that have access to our files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I filed for chapter XXXX bankruptcy in XX/XX/XXXX and my auto loan was included in my bankruptcy. During this time XXXX XXXX is reporting late payments which I believe is a violation of the automatic stay and should not be reporting late payments and should be reported as current. My bankruptcy was discharged 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 2018-03-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Once again bank of America has today allowed a transaction from a company that I have never had any dealings with. After being on hold for 35min going from person to person I was told that the dept I needed was closed and to call back. I am furious that they have again charged my account this amount of XXXX. They have not contacted me by phone or mail or email to give me the results of the supposedly investigation. I am sufferring mentally and physically due to the bank ASSUMING that I owe these people. I WANT MY MONEY BACK IN MY ACCT. I have done nothing wrong and I am NOW seeking an attorney because I can't work or sleep and I am extremely stressed and this is causing me health issues. I need this tp be fixed.

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 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
AFTER RECEIVING A COURT ORDER TO REMOVE A CHAPTER XXXX FILING CASE XXXX  XXXX XXXX XXXX XXXX ORDERED A NOTICE OF WITHDRAWAL FORTHWITH FROM ALL PUBLIC RECORDS. THE THREE MAJOR CREDIT REPORTING BUREAUS HAVE NOT REMOVED THIS PUBLIC RECORD EVEN AFTER THIS HAS BEEN ORDER BY THE FEDERAL BANKRUPTCY COURT CENTRAL DISTRICT.ALL 3 MAJOR BUREAUS GO THRU THIRD PARTY VENDORS AND ACCORDING TO THE FCRA ANY THIRD PARTY VENTOR VERIFYING A CONSUMERS PERSONAL INFORMATION MUST BE IDENTIFIED .AND NONE OF THE BUREAUS FOLLOW THE GUIDE LINES SET BY THE FCRA.

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 2018-03-16 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: IL

Complaint narrative:
Have advised all 3 bureaus that I am a victim of ID theft have submitted police reports, ID Aff. and they refused to remove the accounts that are included which are : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: IL

Complaint narrative:
Have advised all 3 bureaus that I am a victim of ID theft have submitted police reports, ID Aff. and they refused to remove the accounts that are included which are : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and 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