vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank has a program called XXXX rewind where if within 90 days you find the same item at a cheaper price they refund you the difference. On XX/XX/XXXX I bought a leather recliner at my local XXXX for XXXX plus tax and went back on XX/XX/XXXX and purchased another. About 2 weeks later the items were decreased in price to XXXX and thats when I began the rewind process to be refunded the items. I sent what they required which was the receipt, the statement with items on it and sent a photo of the item on sale at the store, per information received from XXXX customer service agent. They can pull the recorded call from that day to confirm. The 1st submission from XX/XX/XXXX was approved and refunded but the second they said that the photo taken is unacceptable. So why was the first approved? Is it the customer mistake that he was give incorrect instructions on how to proceed with opening this claim? This has been going on for 6 weeks now and I am tired on getting the run around about the matter. As a loyal XXXX customer I would think there would be more consideration especially because we were told to to it this way, and now, 6 weeks later they say they need other proof, how!!????? If the product is no longer available????? I strongly request the call be pulled and listened to confirming what I am saying. XXXX  as a reputable company as XXXX is I would expect a refund as we requested and no more excuses of what the customer did wrong since I was instructed to provide a Photo of the product! Thank you for your attention to our respectful request.

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 2018-04-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I filed a dispute over a collection being reported. I am an XXXX XXXX XXXX and the Serviceman 's Civil Relief Act ( SCRA ) protects me from having debt collections on my credit report. This debt, whether paid off or not, is not reportable per this guidance. I wish to have this taken off immediately. For your information, the debt just happens to be paid off so it is not necessary for me to have to speak to the collection agency at this point. Thank you for your time, 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 2018-04-13 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: GA

Complaint narrative:
Hello, I have contacted Experian several times about the non- factual inquires located on my credit report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also Experian has had several glitches which is where the mix up with these accounts came from being on my credit report. aS YOU WILL SEE MOST OF THESE ARE DUPLICATES. REMOVE ASAP Please contact the companies below and investigate such occurrence. Also, the accounts listed have also been deleted by Other Credit agencies, please follow suite and delete these immediately. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete these non-factual records off my account immediately. 
ACCT NAME INQUIRY DATE 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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Real Time Group, Inc.
State: TN

Complaint narrative:
These people are liars.  I have NEVER been late on a payment to XXXX it was an automatic debit that came out of my account monthly.  They tried to debit my account for the payment, I stopped payment because I did not know who they were.  They then call me in XX/XX/XXXX telling me that I owed this debt and I told them I had no clue who they were and that I did not owe them anything. He stated that they had bought my account and I told them I moved and gave them my new mailing address and email.  I told them to email me and I would be more than happy to make payment once the debt had been proven.  No email and then they began to bullet call me, I have all of the phone bills to prove it.  One day out of the blue I get a bill and I mail the payment after bill was received.  They even told me that they would remove the $XXXX fee because of all this once I sent in from my bank the stop payment.  All lies and now I receive a temporary bill what is that for temporary?  These people are crooks and I will not go away and I because they are practicing fraudulent and collection billing practices.  This payment was never late with XXXX and all of a sudden these crooks take over and my account is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: GA

Complaint narrative:
Hello, I have contacted Transunion several times about the non- factual inquires located on my credit report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also Transunion has had several glitches which is where the mix up with these accounts came from being on my credit report. aS YOU WILL SEE MOST OF THESE ARE DUPLICATES. REMOVE ASAP Please contact the companies below and investigate such occurrence. Also, the accounts listed have also been deleted by Other Credit agencies, please follow suite and delete these immediately. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete these non-factual records off my account immediately. 
ACCT NAME INQUIRY DATE XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/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 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  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/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 2018-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Today XX/XX/2018 My husband and I contacted Chase bank to negotiate a settlement of our credit card balance. We were on the phone for almost 2 hours, transferred to 4 different people and offered a 4 monthly payments of {$8700.00} starting in XXXX which we agreed to, once we requested that they sent us the paperwork to sign, they refused telling us to go visit a credit counseling agency they recommend. We told them we didnt want to talk to a credit agency many times as we had already consulted with an agency and also a debt settlement agency as well that charges fees and will tell us to not make our payments. Repeatedly we told them that we wanted to make the agreed payments and they said that they are not disagreeing but they never agreed either. After two hours on the phone, they hung up on us and nothing was acomplished. This company is a ripoff, they are ripping off the consumer and robbing us of peace of mind and the opportunity of paying off debt. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
A friend owed me money and wanted to pay me in Bitcoin. I accepted a created a Coinbase account to receive the Bitcoin. I created this account, received the Bitcoin, and made a bank account so I could attempt to withdraw the Bitcoin. They are holding my Bitcoin hostage until I am XXXX. Custom Service claims when I was signing up I was warned I had to be XXXX but I recall no such warning, and they let me sign up with the birthday XX/XX/XXXX. This birthdate would make me XXXX. I have {$230.00} in this account and by the time I turn XXXX in a year and a half it could be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: IL

Complaint narrative:
Transferred money to my son using XXXX XXXX XXXXXXXX XXXX   from my XXXX XXXX account for pick up at any XXXX in FL. I live in XXXX. The transfer was confirmed and available, but when he went to pick it up, XXXX would not release the funds. they required me to call Ria to clear up a compliance problem. Ria 's system showed no problem, but their customer service team ( after many calls to get a live person ) suggested I cancel that transaction and send another one. So I did. The second one also went through, but it was held in compliance. I was variously told by several staff members, the cancellation of # 2 transaction was due to a high rate of consumer fraud in XXXX, that there was an unidentified problem with my transaction, that there was some type of issue with XXXX XXXX. 

Repeated questioning of several staff members of Ria proved useless as they were not going to tell me what was wrong with me, or my transaction, or why they sold me 2 transactions into a region that was blocked from all transactions. The lack of honesty, and transparency was appalling. Eventually, after more than an hour on the phone I was able to get my money refunded, but I could not get my son the cash he NEEDED because for the entire day I was told this transfer was fine, only to realize after the fact that it had been blocked, for a reason that no one at Ria will explain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I don't think it is right to continue to charge a monthly fee when a person makes more than the minimum monthly payment. This forces unnecessary debt. 
I have been XXXX and out of work for over a year which is why my account was overdrawn. These predatory techniques should not be allowed let alone on a situation like this. 
I've been trying to bring the balance down but charging $ 15+ a month despite any type of payment isn't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: GA

Complaint narrative:
Hello, I have contacted Equifax several times about the non- factual inquires located on my credit report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also Equifax has had several glitches which is where the mix up with these accounts came from being on my credit report. DO NOT REPLY WITH A GENERAL MESSAGE. THIS IS A REAL ISSUE AND NEED TO BE TAKEN CARE OF ASAP. 

Please contact the companies below and investigate such occurrence. Also, the accounts listed have also been deleted by Other Credit agencies, please follow suite and delete these immediately. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete these non-factual records off my account immediately. 
ACCT NAME INQUIRY DATE EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: GA

Complaint narrative:
Ive recently pulled my Transunion credit report and Notice accounts that have been investigated and deleted by another credit bureau are still being reported by Transunion. THIS HAS GONE ON TOO LONG AND NEED TO BE FIXED ASAP. I have disputed these same accounts with Transunion and no investigation was done, only remain on my credit report. Attached to this letter is proof that these accounts were deleted by XXXX and are no longer reporting. Please follow suite and delete these accounts for accurate reporting. They must be deleted in order to show my true credit history. The FAIT CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

The following accounts have been removed by XXXX   and I am asking Transunion to remove : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX acct XXXX XXXX XXXX/XXXX XXXX Acct # XXXX XXXX/XXXX XXXX Acct # XXXX Thanks for your cooperation, 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 2018-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2018 Usaa federal bank accessed one of my checking accounts and withdrew {$460.00} to pay for a loan in which they did not have authorization to access the account nor for that amount. I literally just got paid that day and they took it upon themselves to deduct these funds to " off set '' a delinquent loan. The loan is only in my spouses name and they have access to one of my checking accounts but the account they withdrew from they were not authorized to access nor are the funds in the account associated with the borrower. When I contacted the bank about the charge they refused to dispute the transaction or acknowledge my regulation E complaint and said it was just bank policy and they had the right to do it. Personally I find it unfathomable that a service provider believe they are entitled to arbitrarily access a consumers account just because they are a lender and depository institution should not empower them to impact me financially especially when a credit product is involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: GA

Complaint narrative:
Ive recently pulled my Experian credit report and Notice accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. THIS HAS GONE ON TOO LONG AND NEED TO BE FIXED ASAP. I have disputed these same accounts with XXXX  and no investigation was done, only remain on my credit report. Attached to this letter is proof that these accounts were deleted by XXXX and are no longer reporting. Please follow suite and delete these accounts for accurate reporting. They must be deleted in order to show my true credit history. The FAIT CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX acct XXXX XXXX XXXX/XXXX XXXX  Acct # XXXX XXXX/XXXX  XXXX  Acct # 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 2018-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased a washer through Sears under their credit program 12-months same as cash. In order to avoid service charges I needed to pay in full by XX/XX/XXXX. I ended up making two payments to pay the balance due ; the first on XX/XX/XXXX for {$220.00} and the second on XX/XX/XXXX for {$220.00}, and both payments were sent electronically via my online banking bill pay account. 

The first issue is that I received a bill immediately after for the amount of interest that had accrued IF had I not paid the account in full. I complained and Sears credited that amount, but the problem that within that time an extra amount of interest was applied. 

I tired to explain that this was their error and they should bring my balance to XXXX, but I've been going back and forth. It's a small amount ( probably XXXX XXXX- {$15.00} ), so it's not the fee, but the principal. They are not holding up their end of the agreement. 

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 monetary relief
Consumer complaint received 2018-04-13 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: TN

Complaint narrative:
I filed a dispute with Experian for an account on my credit report with incorrect information. The account was with XXXX XXXX. This account has been paid and closed since XX/XX/XXXX. Experian and XXXX both report that this account is in " good standing '' as of XX/XX/XXXX. Then " charged off '' the months following. This " good standing '' being reported for XX/XX/XXXX makes it seem like I have an open account with them and then stopped paying. Resulting in my credit score being lowered and me getting denied for credit cards. I contacted XXXX XXXX and all they did was mail me proof that the account was paid and closed in XX/XX/XXXX. I then called Experian and told them exactly what the error was and they still did not correct the issue. I have uploaded a screenshot from Experian 's app showing the error being reported 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