vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-26 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX This account was never late. I've have disputed this with this company time and time again. Now this account has been paid off completely and it is still showing up negatively on my report. This is 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 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
First these accounts are not mines. Some were deleted from credit report then re-added to my report. The collection accounts I have attached disputes with company and Attroney General of those states company is doing business with. 

These are the Equifax accounts. 

1. XXXX XXXX XXXX {$4100.00} Closed 2. XXXX XXXX XXXX {$1400.00} Closed These are my XXXX accounts. 

1. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} 2. In Collections/Charge-off XXXX XXXX XXXX IN Last reported : XX/XX/XXXX {$5500.00} 3. XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am missing XXXX points for my successful referral of the Amex Delta golden credit card in XX/XX/2017. I have contacted the customs service for serval times about this issue but still not resolved. They just closed my case. After I have submitted the first complaint through their customer service and they asked me to provide additional information about referral individuals. Then, I gave those to them and after several weeks they said they could not find a clue. After I submitted the second complaint from CFPB, they asked me to provide these individual referrals information again. I just could not understand. 

This is my third complaint and I attached their names, addresses and even card numbers. I think they should locate their application by those information. If this time they just simply said they could not validate the referrals. I will think this is a fraud approach to cheat customers. My friends have already had their open account bonus which is XXXX through my referral. why could not I get my successful referral bonus? 

I want to mention again the two XXXX bonus points already shown in my account should come from two people since they applied for the card on the same date and not as the custom said which two XXXX points were from one person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I purchased a used car and it financed threw XXXX XXXX XXXX   XXXX XXXX XXXX, texas XXXX XX/XX/XXXX It was then chgd to Santander consumer usa XXXX XXXX XXXX XXXX i got behind due to car broke.and had to leave at family home on XXXX on XX/XX/XXXX.. it noted i was 30 days late.this acct is over 7yrs old. Then it was sold to XXXX XXXX.the dates were put as if i owed this debt 1st day deliquent XX/XX/XXXX i disputed but thy say its accurate and i never lived at XXXX asked it to be removed but no luck this account is way over 7 yrs old from 1st delinquency and thy wont post it accurate i have documentation..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
First these accounts are not mines. Some were deleted from credit report then re-added to my report. The collection accounts I have attached disputes with company and Attroney General of those states company is doing business with.

These are the XXXX accounts.

1. XXXX XXXX XXXX {$4100.00} Closed 2. XXXX XXXX XXXX {$1400.00} Closed These are my Transunion accounts. 

1. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX, 2018 {$3000.00} 2. In Collections/Charge-off XXXX XXXX XXXX XXXX  Last reported : XX/XX/XXXX, 2018 {$5500.00} 3. XXXX XXXX XXXX Last reported : XX/XX/XXXX, 2018 {$3900.00}

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 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
First these accounts are not mines. Some were deleted from credit report then re-added to my report. The collection accounts I have attached disputes with company and Attroney General of those states company is doing business with.

These are the XXXX   accounts.

1. XXXX XXXX XXXX {$4100.00} Closed 2. XXXX XXXX XXXX {$1400.00} Closed These are my XXXX accounts. 

1. XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 {$3000.00} 2. In Collections/Charge-off XXXX XXXX XXXX XXXX  Last reported : XX/XX/2018 {$5500.00} 3. XXXX XXXX XXXX Last reported : XX/XX/2018 {$3900.00}

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 2018-02-26 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient and XXXX XXXX are both reporting I have been delinquent 120 plus days on my credit report back in XX/XX/2014which is dramatically impacting my credit score. Reports show in XX/XX/2014my loans were 120+ Days late. This is I accurate I have never been late paying on my loans EVER. I have had to pay credit repair services to take the late payments off to which they successfully do but then XXXX XXXX and navient once again report these inaccurate late payments again shortly after It is removed. I want the late payments removed permanently. These problems did not occur until navient bought XXXX XXXX. I have seen through the credit repair service I have used that navient and XXXX XXXX say charge off and settlement I have no clue what these companies are doing but it needs to stop! I want to know why XXXX XXXX and navient are BOTH reporting the same thing as well? Didnt navient but XXXX XXXX? Why is XXXX XXXX continuing to hit my report It is showing 120+ Days late 4 times every time due to mynlaon being 2 separate loans however, because they both continue to report negatively It shows double!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Miller, Stark, Klein and Associates
State: NY

Complaint narrative:
On Friday, XX/XX/XXXX at XXXX, I spoke with ( XXXX ). A representative from the collections agency ( Miller Stark Klein and Associates ). XXXX informed me that the reason for his call was because his client ( XXXX ) hire them to collect an outstanding balance that ( XXXX ) claimed it was due for collections for services dating back to " XX/XX/XXXX ''. 

I explained to XXXX, that I can confirm that I did have services with XXXX during XX/XX/XXXX. However services were cancel and there wasn't a balance left on the account. 

If XXXX 's records showed that there was an outstating balance on the account ; why didn't XXXX never contacted me in 12 years. I also explained that I had ( Cable, Telephone, and Internet ) with XXXX XXXX, just last year on ( XX/XX/XXXX ). 

In order for me to have services installed, XXXX did two things ; 1 ) Verified I DID NOT have any outstanding balances with the company for prior services. 2 ) I agreed to have my credit file review, my credit score was XXXX. I had services installed with out the requirement of a deposit. ( Proof attached ) I then went ahead and informed XXXX that as a collections agent, I was sure that he was aware that it was illegal for him or XXXX to attempt to collect on a debt that is 12 years old. I also asked for proof of this debt, he informed me that unfortunately he would have to report the debt. I would also be contacted through a conference call at a later time by XXXX. I also am a XXXX person on Social Security XXXX benefits. 

I'm not sure what to make of this phone call from XXXX. He claims to be employed by Miller Stark and Associates, but its clear that there is a failure for them to abide by the Fair Debt Collection Practices. I also could of been a victim of a phishing scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquires listed below are not mines. Didnt authorize these inquiries.

You have 12 Inquiries Inquirer Name Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX/XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
I attempted to pick up the transfer at two locations. At the XXXX on XXXX XXXX XXXX XXXX XXXX, MD XXXX I was told the transfer was not available after calling in before arriving and after being told otherwise. I then attempted to pick up the transfer at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX and was told the same. Funds for reference number XXXX were not available as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: CA

Complaint narrative:
Navient confirmed loan, however did not address statue of Limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I purchased a used car and it financed threw XXXX XXXX XXXX  XXXX XXXX XXXX, texas XXXX XX/XX/XXXX It was then chgd to XXXX consumer usa XXXX XXXX XXXX XXXX i got behind due to car broke.and had to leave at family home on XXXX on XXXX it noted i was 30 days late.this acct is over 7yrs old. Then it was sold to ncb mgnment.the dates were put as if i owed this debt 1st day deliquent XX/XX/XXXX i disputed but thy say its accurate and i never lived at XXXX asked it to be removed but no luck this account is way over 7 yrs old from 1st delinquency and thy wont post it accurate i have documentation..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am looking for a claim form on line, I believe Citi bank overcharged me, as stated below, please email clm form, thanks! 


Citibank violated the law when they tried to collect overdue payments from some consumers with cards issued by Citibanks subsidiary, XXXX XXXX XXXX XXXX ( XXXX ). During collection calls, Citibank sometimes charged an expedited payment fee of {$14.00} without telling the consumer it was charging the fee or misrepresented the purpose of the fee. Nearly 1.8 million consumers who paid an expedited payment fee since XX/XX/2009 when their XXXX credit card account was delinquent will receive all expedited payment fees paid during that time.

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 2018-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello CFPB, I am a victim of online ID theft. My full legal name is XXXX XXXX and my CA Driver 's License # is XXXX. 

Unauthorized XXXX transactions fraudulently transferred from my Bank Of America Checking Account with Account # : XXXX and two Bank Of America Debit Card Accounts with Card Account # s : XXXX and XXXX. I did not create the XXXX account and I did not transfer money at all using this XXXX account online. 

Transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. The total # of transactions that are fraudulent and unauthorized in nature is 18 across all 3 accounts numbers mentioned above. 

I detected the fraud in XX/XX/XXXX/XX/XX/XXXX but could file final Claims with Bank Of America for reclamation and refund of money only in XX/XX/XXXX and XX/XX/XXXX. The total amount of money transferred fraudulently from my Bank Of America Checking Account with Account # : XXXX is {$6900.00}. The total amount of money transferred fraudulently from my Bank Of America Debit Card with Account # : XXXX is {$2000.00}. The total amount of money transferred fraudulently from my Bank of America Debit Card with Account # : XXXX is {$6900.00}. 

The total amount of money transferred fraudulently and without authorization across all 3 Accounts is {$15000.00}. I have filed 3 Claims with Bank Of America to get my total money back. Bank Of America has so far only done a temporary credit for the transactions against my Checking Account with Account # : XXXX for {$6900.00} and against my Debit Card with Account # : XXXX for {$2000.00}. 

Bank Of America has rejected my 3rd Claim for credit of money against my Debit Card Account with Account # : XXXX for {$6900.00}. 

I have an Affidavit signed with a Notary Officer of the XXXX XXXX County, CA as well as a Police Report filed with XXXX XXXX PD with Report # : XXXX as well as a Police Report filed with XXXX PD with Report ID : XXXX to use as reports for my ID Theft case. 

Please look into making sure justice is served here and that I get total money of {$15000.00} back including the pending amount from the rejected 3rd Claim of {$6900.00} AS SOON AS POSSIBLE from BANK OF AMERICA. 

Thank you, XXXX XXXX, Mobile # : ( XXXX ) XXXX Email ID : 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 monetary relief
Consumer complaint received 2018-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Hello, I have been locked out of my coinbase account that holds my funds for 50 days, starting Saturday, XX/XX/XXXX. I start trading using this account on XX/XX/XXXX and already verified my account and linked it to my bank account, which I used to wire the money to my coinbase account. 

I tried to recover my account by submitting a copy of my driver license online on Saturday, XX/XX/XXXX, and Sunday, XX/XX/XXXX however, because the name on the online account is different than the name on my driving license ( the name on my driving license contain an extra letter as an initial for my middle name, however, only my first and last name shows up at my account ), the process failed. I reached Coinbase customer service by email on Sunday XX/XX/XXXX and by phone on Monday, XX/XX/XXXX, XXXX XXXX  EST and submitted a high priority ticket ( as the agent told me ) due to the sensitive situation since I have all the needed documents for account recovery and the first and last name matches the name on the account. 

I did not hear back from coinbase and I tried to call them several times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) but unfortunately, the agents refused to give me any useful information or estimated time for coinbase reply which till now is taking almost two months  without the ability for me to access my funds. They also refused to transfer me to the department that handles the accounts lock out or to even contact them. Only one time the customer sevice agent promised that he will contact them on my behalf and will send me an update email, but he did not. The problem is that the market is a very sensitive one and I lost more than 1100 $ due to the change in the trading prices and the inability to sell or even transfer or use my funds. This is in addition from preventing me from access/invest my money. I still do not know when the company is planning to respond to a high priority issue, as stated by their customer service agents, which will further change the amount of loss I am encountering till this moment. I have a copy from all the emails that I received after each call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: MO

Complaint narrative:
I submitted a dispute for a collection account on my record XXXX XXXX XXXX that continues to remain on my credit report in collections and affecting my credit score. I filed bankruptcy XX/XX/17 and this account was listed duplicately on my report and Experian deleted one of the accounts after my dispute but did not the other duplicate account from the same company and it should have been deleted as well. I am attaching a copy of a screenshot of my bankruptcy petition that lists the company twice on my petition.

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