vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XXXX, or XXXX, of XXXX I saw on my Transunion Credit Report that there was a Dept of Treasury lien. I didn't I have ..so I called the number they listed it was a Maryland number but it turned out to be some sort of janitorial service. I called TransUnion Repeatedly and subsequently filed a dispute. Dispute # XXXX. And it was removed. Later I found out that there was a settlement for the false reporting I contacted a Law Firm XXXX XXXX in XXXX Virginia, they said I needed a copy of the report, when I looked up my XX/XX/XXXX Transunion credit report the treasury Debt was gone and they said they hadn't reported anything false since XXXX. That is a huge lie, it was on my Credit Report. My Credit Union sent me a picture of the debt on my credit report that was run by them in XXXX of XXXX. 

I never had a debt. Also the Law Firm  XXXX XXXX who are supposed to be the Settlement Administrators, Are telling me they can not accept the photo from my credit Union Loan officer of the Unique identifier number from my Dispute that was clearly filed and resolved. I am complaining 1 ) about TransUnion and 2 ) about the Settlement Administrator.. What are they doing that they can not get the proof from TransUnion to issue my settlement. Are other consumers going through this with this settlement administrator? and did other people have false debt reported on their credit reports. IS it legal for them to remove the Treasury Debt from the stored XXXX 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 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hello I have included attachment of my id and proof of address, the credit bureaus seems to have improper accounts and information reporting and I am asking that these items be removed. This is a violation of the FCRA XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ) THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

XXXX : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

TRANSUNION : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE.

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 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Hello I have included attachment of my id and proof of address, the credit bureaus seems to have improper accounts and information reporting and I am asking that these items be removed. This is a violation of the FCRA EQUIFAX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ) THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

XXXX : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Account Number : XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX I applied for credit with XXXX XXXX and received an alert from Experian stating my inquiry with XXXX XXXX and that my credit score dropped 40 points. I began to thoroughly look through my report to find out what was causing the 40 point drop and found that XXXX  XXXX reported my account as closed with a 30 day late XX/XX/XXXX. I contacted XXXX XXXX customer service at XXXX and attempted to resolve my concern regarding 30 day late payment with XXXX who could not help me and when requesting to speak with a supervisor, initially, denied my request. After I made another request to speak with a supervisor he finally transferred me to XXXX, who told me the I had a payment that was not made XX/XX/XXXX. I asked him why was no attempts to collect the unpaid amount made and why this my internal payment history reflects timely payments. Also, I asked why was it showing a 30 day for XXXX when my loan was paid off in XXXX XXXX, He could not answer that. ; I then asked to speak with someone on a corporate level and was advised that he would be the highest I could go and that they could not update my credit report but that I would have to contact the credit bureaus and have them dispute the incorrect information. 

I than began to reach out by help request through the website only to receive scripted response. 

Lastly, I am attaching my last credit report pulled that shows I had 12 on time monthly payments with XXXX XXXX. As of XX/XX/XXXX not only are they reporting I made a payment late 2 months after my final payment. They have also removed positive reporting data from my experian credit report for the following months : XX/XX/XXXX - XX/XX/XXXX. 

They have disabled me from being able to print my payment loan 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 non-monetary relief
Consumer complaint received 2019-06-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have Citi XXXX Credit Card for more than 10  years. It is one of my starter credit card. However, Citi closed my XXXX Credit Card without notifying me via email nor phone call. Citi claimed there was a mail sent last XXXX but I have never really gotten one. The main request is that I still have lots XXXX points with this credit card and Citi refused to give my points to me after closing my credit card. My card number is 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 2019-06-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Reporting Agencies ( CRA ) should not be in the business of selling Credit Monitoring Services to consumers. By allowing CRA to sell credit monitoring services at the consumer level, it gives the CRA an incentive to not protect the consumer in hopes that the consumer, feeling less protected, will turn to the CRA and be willing to pay them for protection. It makes me feel as if I am being extorteed. I have a free credit monitoring account with Experian. But only the paid credit monitoring accounts allows consumers to place a Freeze on their 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 non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
This relates to a credit card with Chase Bank. I was away from home in 2015 dealing with a family member in the hospital. I had cancelled a service Chase offered for a monthly fee by phone as instructed. Chase charged me again for the service I cancelled plus interest and late charges as I did not pay on time because I had not authorized additional charges so thought my balance was XXXX. The total amount was about {$170.00}. I had this credit card with them for about 15 years. I of course paid the small amount even though all of the charges were fraudulent. Chase reported the late payment to the credit bureaus. I made several phone calls and Chase refused to investigate or take any action even though the charges they reported were not authorized. They made it clear they did not care about my long relationship with them - the {$170.00} was all they cared about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Bluebird American Express. Closed my account without even letting me know. My entire paycheck is in there {$850.00} and they will not give me access to my money that I worked for. They said they closed the account and the only way to get my money back is to mail them and then wait 7-10 business days to get my money, but I need that money to live off of and it is not there money to hold on too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
I received a call from a debt collector called XXXX XXXX saying I owed a debt for a loan. They said I had an online payday loan with Castle Payday ( now called BigPictureLoans ). 

I do not recall opening this loan and the account it was connected to is an old bank account that was closed. I also looked up XXXX XXXX and did not find information on a debt collector under their name. I called back and asked if they had a website and they said it was XXXX which is a simple site with very little information on the company and just their phone number. When I looked up the address listed on their website, it said it was the address of the United States Postal Services. I am wondering if this company is legit and if they are authorized to collect debt. They do not even have an official address. I would like to see their license number. 

They said I had to make a payment or I would be sued. They said they tried to collect money from my previous job. They did say they would send me verification of the Castle loan account by email, but I never received an email with verification from them. 

XXXX XXXX could not verify the date the account was opened which makes me think they do not have proper information about this account. They had my old email address on file which I no longer have access to. When I entered my email on the loan website, it said nothing existed. 

When I called Big Picture Loans, they said I applied for a loan in the amount of {$1500.00} on XX/XX/18, but there was no current loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I have been attempting to close my account with Coinbase.com However there is {$1000.00} dollars in cash in the account that Coinbase is not giveing back to me. 

I was told to move all my assets off the site, and I tried to and all my digital assets I moved off, However they have Coinbase Pro and that is where my {$1000.00} is and there is no option for me to deposit that money into my bank account. They also dont respond to any of my emails. They are robbing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Processing Group LLC
State: TX

Complaint narrative:
For the past year, my family members and I keep getting phone calls from a man who claims to be a server. He will leave voicemails on our phones looking for me, saying he is on his way to my home or employment to serve me papers for XXXX XXXX for a debt I owe. He then will leave an XXXX number ( number changes each time but its the same man/company ) to call to fix the matter. When I try to call his actual number itself that he calls from, it claims that its an internet number, so he calls from a fake internet number each time. So then Ill proceed to call the XXXX number and someone will answer the phone with just Hello this is so and so but they dont tell me the company name when they answer. So then Ill ask what Company is this? And they will say National. And I said National what? And they say National Proceedings. So then Ill give them my name and they claim I owe a payday loan from 2015 that I have never heard of and say if I pay the amount due right now that they will cancel the court papers being served and it will also save me money because if they take me to court, they will tack on more fees etc. I then tell them how am I going to pay yall money for something I dont owe or even heard of. So I tell them to stop calling me and have someone come to my home to serve me then if thats what they are going to do. So then they say okay and then I dont hear anything about it from them for months. And then they will call me and my family again months later and restart the entire process over again ... and there has been one time where I call the XXXX number again like Im told to do in the voicemail..and the person who answered was the same voiced man of the guy who called me one time saying he is a server and he will come to my home. I remember asking him ... um arent you the person who said they were going to serve me? So you work for this company? And he acted like he had no idea what I was talking about that I was mistaking him for someone else but he has a very distinct voice..it was definitely him. So this fake company is also pretending to be servers and using fake internet numbers to call first and then directing us to call their XXXX number acting like they arent correlated with each other. Im getting fed up with this because this has been the fourth time over the past year they have done this. Its embarrassing because they will call family members that are associated with me that I barely talk to. They even called my Ex husband and I had him calling me asking if Im in trouble with the law ... its embarrassing and it needs to stop. I continue to tell them every time they do this to stop contacting me and my family and they are still doing it.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I spoke with Navient to update my rate reduction program, it expires every 6 months. I spoke with a manager named XXXX, who was very rude, and a customer service representative. My current payment is XXXX and they wanted to raise my payment to XXXX. I do understand that this is a stair stepper program where they increase your payments but they have never increased it by that much. I gave them all my financial information to let them know how much I had left over and they still refused to lower my payment. I am very loyal in paying my payments on time. Financially I can not make that payment. They said they were still giving me a break because I would not have to pay the full amount {$900.00}. That is why I am on a rate reduction program to make lower payments. I know Navient has tried to make clients pay more than can. I am not trying to out run my payments I am trying to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
I am having a problem with an unsecured debt held through XXXX XXXX XXXX   and hence sold/transferred to collections held by Pollack & Rosen P.A. out of XXXX XXXX, FL. 
The account was originally disputed by myself for charging that is not in accordance with my understood payment schedule and other unauthored/unknown charges including and not limited to late fees. 

I challenged the matter with XXXX XXXX on more than 5 consecutive occasions and also via the CRA 's ( XXXX, XXXX and XXXX ) and the company never validated or documented the debts, instead it sold the collection to Pollack & Rosen P.A. 

I likewise contacted P & R P.A. and made my case clear that I had not once been notified or provided the results of an investigation in compliance with FDCPA and FCRA laws. 
The company did not communicate with me or reply to my query. 

This week I received a solicitation from an Attorney trying to sell me services to defend against the lawsuit. I conducted a search at the clerk of courts and have found no such lawsuit. I called the attorney and they told me the data in filed. Yet I have not been informed in any manner by P & R P.A. 

I consider this an underhanded and illegal attempt to collect upon a challenged unsecured debt. I am asking the CFPB to help mediate this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
purchased bitcoin and erthrum coin from coinbase worth XXXX dollars to try it out and the money was frozen and they transfer from a simple debt card took days to transfer and the activity was paralysed and i lost the big gain the currency offered at the time of purchase and yet still they can not let you take your money out for next 18 days this i find really crazy and horrible plus the customer service do not respond nor answer their phone. the automated system is horrible and useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
For the past year, my family members and I keep getting phone calls from a man who claims to be a server. He will leave voicemails on our phones looking for me, saying he is on his way to my home or employment to serve me papers for XXXX County for a debt I owe. He then will leave an XXXX number ( number changes each time but its the same man/company ) to call to fix the matter. When I try to call his actual number itself that he calls from, it claims that its an internet number, so he calls from a fake internet number each time. So then Ill proceed to call the XXXX number and someone will answer the phone with just Hello this is so and so but they dont tell me the company name when they answer. So then Ill ask what Company is this? And they will say XXXX. And I said XXXX what? And they say XXXX XXXX. So then Ill give them my name and they claim I owe a payday loan from 2015 that I have never heard of and say if I pay the amount due right now that they will cancel the court papers being served and it will also save me money because if they take me to court, they will tack on more fees etc. I then tell them how am I going to pay yall money for something I dont owe or even heard of. So I tell them to stop calling me and have someone come to my home to serve me then if thats what they are going to do. So then they say okay and then I dont hear anything about it from them for months. And then they will call me and my family again months later and restart the entire process over again ... and there has been one time where I call the XXXX number again like Im told to do in the voicemail..and the person who answered was the same voiced man of the guy who called me one time saying he is a server and he will come to my home. I remember asking him ... um arent you the person who said they were going to serve me? So you work for this company? And he acted like he had no idea what I was talking about that I was mistaking him for someone else but he has a very distinct voice..it was definitely him. So this fake company is also pretending to be servers and using fake internet numbers to call first and then directing us to call their XXXX number acting like they arent correlated with each other. Im getting fed up with this because this has been the fourth time over the past year they have done this. Its embarrassing because they will call family members that are associated with me that I barely talk to. They even called my Ex husband and I had him calling me asking if Im in trouble with the law ... its embarrassing and it needs to stop. I continue to tell them every time they do this to stop contacting me and my family and they are still doing it.

Company response to consumer: Closed with explanation