vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 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: IL

Complaint narrative:
trans union, XXXX and XXXX  will not allow me to dispute error on credit file and will not correct error on file. this is an acct that was paid in full on XX/XX/XXXX for car that was paid in full that i have pay off letter and title for car. also i have a complaint file number XXXX in which XXXX  XXXX XXXX states that correction will be made. i sent all info attached to credit reporting agencies and they still refuse to correct this error. the XXXX XXXX XXXX acct number is Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$430.00} plus they continue to drop my credit score with no change on my credit report in retaliation to my dispute of this matter.

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 2019-12-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX of this year I found out through my XXXX and XXXXCredit Report that there is a closed Bank of America account listed as a charge off in my credit history. After multiple attempts to contact Bank of America with notarized affidavits, letters and calls it has yet to be removed from my credit profile.

Bank of America has failed to contact me or provide any fraud packet or assistance since Ive started to dispute this card. Ive sent them countless documents proving that my identity was stolen but without even information of where and when somebody applied for it, theres little more than I can do.

At one point they removed it for a period of 2 months and then for whatever reason put it back on my credit report.

After further investigation I was able to obtain the account number because nobody in at the Bank of America has been able to provide me with an application, address or any information other than the following : The credit card was charged off on XX/XX/2017 a balance of {$750.00} This is a fraudulent account, opened without my permission or authorization. I have not obtained any benefit from this credit card. 
FTC Report has been filed # 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 2019-12-20 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: IL

Complaint narrative:
XXXX XXXX, XXXX and equifax will not allow me to dispute error on credit file and will not correct error on file. this is an acct that was paid in full on XX/XX/XXXX for car that was paid in full that i have pay off letter and title for car. also i have a complaint file number XXXX in which XXXX  XXXX XXXX states that correction will be made. i sent all info attached to credit reporting agencies and they still refuse to correct this error. the XXXX  XXXX XXXX acct number is Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$430.00} plus they continue to drop my credit score with no change on my credit report in retaliation to my dispute of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: IL

Complaint narrative:
XXXX XXXX, experian and XXXX will not allow me to dispute error on credit file and will not correct error on file. this is an acct that was paid in full on XX/XX/XXXX for car that was paid in full that i have pay off letter and title for car. also i have a complaint file number XXXX in which XXXX  XXXX XXXX states that correction will be made. i sent all info attached to credit reporting agencies and they still refuse to correct this error. the XXXX  XXXX XXXX acct number is Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$430.00} plus they continue to drop my credit score with no change on my credit report in retaliation to my dispute of this matter.

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 2019-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
I fell into a bit of a financial bind and took out an installment loan through. Big Picture Loans for {$450.00}. To date I have paid {$180.00} back to Big Picture Loans. 

After doing some research I realized that these companies charged me illegal rates of interest under Michigans usury laws. I immediately revoked ACH authorization. I a letter explaining that I would repay the remaining principal balance of the loans in equal monthly payments beginning in XXXX of 2020. I currently owe Big Picture Loans approximately {$260.00} dollars. Big picture loans refused to oblige at all claiming tribal immunity. However it is my understanding that tribal immunity prevents consumers from suing them and that under federal they still have to oblige to usury laws in respective states. After going back and forth with them via email, the matter was not resolved. In learning from my mistakes, the reason I am filing this complaint is because I refuse to be harassed by a company when I have made reasonable attempts to settle the debt on a payment plan trying to circumvent any potential damage this could do to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: CO

Complaint narrative:
On XX/XX/XXXX of this year I found out through my XXXX and TransUnionCredit Report that there is a closed XXXX  XXXX XXXX account listed as a charge off in my credit history. After multiple attempts to contact XXXX  XXXX XXXX with notarized affidavits, letters and calls it has yet to be removed from my credit profile. 
XXXX  XXXX XXXX has failed to contact me or provide any fraud packet or assistance since Ive started to dispute this card. Ive sent them countless documents proving that my identity was stolen but without even information of where and when somebody applied for it, theres little more than I can do. 
At one point they removed it for a period of 2 months and then for whatever reason put it back on my credit report. 
After further investigation I was able to obtain the account number because nobody in at the XXXX XXXX XXXX has been able to provide me with an application, address or any information other than the following : The credit card was charged off on XX/XX/2017 a balance of {$750.00} This is a fraudulent account, opened without my permission or authorization. I have not obtained any benefit from this credit card. 
FTC Report has been filed # 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 2019-12-20 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: CO

Complaint narrative:
On XXXX of this year I found out through my Experian and XXXXCredit Report that there is a closed XXXX XXXX XXXX account listed as a charge off in my credit history. After multiple attempts to contact XXXX XXXX XXXX with notarized affidavits, letters and calls it has yet to be removed from my credit profile.

XXXX XXXX XXXX has failed to contact me or provide any fraud packet or assistance since Ive started to dispute this card. Ive sent them countless documents proving that my identity was stolen but without even information of where and when somebody applied for it, theres little more than I can do.

At one point they removed it for a period of 2 months and then for whatever reason put it back on my credit report.

After further investigation I was able to obtain the account number because nobody in at the XXXX  XXXX XXXX has been able to provide me with an application, address or any information other than the following : The credit card was charged off on XX/XX/2017 a balance of {$750.00} This is a fraudulent account, opened without my permission or authorization. I have not obtained any benefit from this credit card. 
FTC Report has been filed # 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 2019-12-20 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: CA

Complaint narrative:
I am a victim of identity theft and mailed in my identity theft report to Equifax, XXXX, and XXXX  and have not gotten any response. I am currently at a standstill trying to get into a new living situation because they have not solved this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
From XX/XX/XXXX-XX/XX/XXXX I bought Bitcoin on Coinbase. Of which, I paid nearly {$470.00} in fees. By now, on the website it states that my balance is available to withdraw. Upon trying to do so, it states my account is restricted. Support initially they told me Id be able to withdrawal my bitcoin after the purchase hold no matter what and now theyre denying me access to it. After contacting support again, theyre saying in order to withdrawal my money - I have to sell my balance on their platform ( costing me another whopping {$450.00} in fees! ) Just to get my balance. Not to mention, I already have lost money due to the initial investment decreasing in value and the previous fees Ive already paid. This itself is fraud because theyre denying me access to what I paid for. On top of that - theyre forcing me to pay more money to get what I was supposed to receive previously. I asked them about waiving the fees and they wouldnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX I filed complaint against Navient for they did my payments and called my job. Filed another on XX/XX/XXXX for their new hidden fees etc. For the current problem I filed for U.S. Small Business Administration disaster assistance loan in XX/XX/XXXX due to Hurricane Michael in XX/XX/XXXX got my reply letter back XX/XX/XXXX said ( denied ) due to my Unsatisfactory history on a federal obligation on line number 4 it say include documentation showing Navient Student loans have been paid in full or proof of satisfactory repayment agreement. I was so angry, Navient know I dont have no federal loans with them. All my federal loans were always current. I reported this to the XXXX   there ( Navient ) responded? Thank you for reaching out to the XXXX with your concerns regarding your private loans. We never report your private loans as federal loans but if you want to settle your debt for a payment in amount of {$11000.00}. If you are interested in learning more about this option, please contact XXXX XXXX directly at XXXX. They do hard credit inquires when can do a soft. This the third time a loan just for one thing can't explain because I can't my credit report and I don't see it only if you are doing a home loan when that underwriter pull it. Right now, XX/XX/XXXX I did VA refinance loan that information came up it still been report by Navient to the credit agencies on me that I owed Navient federal student loans. Navient need to be fined they know I dont have none them. Just to destroy her credit and she pay us. It must be nice to be in partnership with the federal government to collect money for them and investors really thats a lot of power for one company privilege- Navient. Other servicing company don't have authority to do these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/2019 I filed an oral and written complaint with USAA, the oral complaint was given to Bank Employee XXXX, and the written was provided to this Bureau, because, among other things, Firstly that USAA breached our Loan Agreement in applying supposed unpaid fees after curing a default, Secondly that USAA violated our Pre-Authorized Transfer Agreement by taking more money from my account than agreed upon as well as failing to notify me of this transaction, that varied from previous amounts, at least 10 days before the scheduled transfer, and Thirdly that after giving this complaint to Bank Employee XXXX and requesting how the Bank found this appropriate, XXXX informed me, after a nearly 20 minute investigation, that the Bank deemed it appropriate and that this appropriateness was based on some agreement other than the Loan Agreement and that the Bank would not share this agreement with me. Even though the Bank had a duty to provide it to me. 

On XX/XX/2019, 59 days after submission of this complaint, and one day before this 60 day deadline, USAA responded to my claim, in substance, only saying that the above mentioned events are appropriate due to our Loan agreement itself. 

On XX/XX/2019 I provided my feedback to this complaint, and disputed USAA 's statement, as well as requested any and all investigative documents. 
About a week or two later I left a voicemail to XXXX XXXX, a member of the Office of Bank President, who attempted contact with me after submission of this complaint, and made a similar request, as well as a request acknowledging my this request. 

As of this day, XX/XX/2019, 55 days since making the request, USSA has failed to send me any documentation supporting the claims made by Bank Employee XXXX, or any supporting documentation for the 59 day long investigation the Bank undertook. 

This is of course another violation in and of itself as 12 CFR Part 1005.11 ( d ) states clearly that not only was USAA supposed to include in both responses that I had the right to have these documents, but that they must ACTUALLY deliver them to me. 

USAA and/or the Bureau, should only contact me by the email provided or by mail, as I am currently without a phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: CA

Complaint narrative:
I am a victim of identity theft and mailed in my identity theft report to XXXX, Transunion, and XXXX and have not gotten any response. I am currently at a standstill trying to get into a new living situation because they have not solved this problem.

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 2019-12-20 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: CA

Complaint narrative:
I am a victim of identity theft and mailed in my identity theft report to XXXX, XXXX, and Experian and have not gotten any response. I am currently at a standstill trying to get into a new living situation because they have not solved this problem.

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 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase decided to close my account without providing a reason as to why. At first, I was upset but then I was promised by the phone representative I had spoken to that I would receive a check for the remaining funds in my sccount within ten business days. That was back on XX/XX/2019. I wanted until XX/XX/2019 past the ten business days and still not check. On XX/XX/2019 I received through mail a monthly bank statement that shows a Debit DDA - Check Charge for {$1000.00} the exact remaining amount I had in my account. When I called Chase again no one could answer my question about this charge or when I was supposed to receive the check for my remaining balance. It is now XX/XX/2019 and still I have not received the check for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a Citi Advantage credit card that was used at XXXX  XXXX  XXXX  one time. After using the card the one time at XXXX, I noticed there were several other rentals that occurred after several weeks after my rental. I contacted my card company, disputed the charges, and received another card. The following month I noticed I had more XXXX  XXXX  charges on my new card. I contacted my card company once again and filed another dispute, and once again received another card. I contacted my card company and asked how were these charges being allowed to go through on my car, and no one could provide me an explanation. I was ensured that the company would place extra protection on my card and these charges would not continue. I even placed a lock on my card. A few months later even with the lock in place, I received more charges on my card from XXXX XXXX  XXXX. By this time I was furious because at this point I believe that the card company was allowing someone at XXXX XXXX  access to my information. I had not made any charges on my card for over a year, and these XXXX XXXX car charges as well as toll charges were continuously being placed on my cards. After receiving about 5 different cards and numerous disputes, and still paying my bill almost off, Citi placed an interest charge on all of the charges I was paying as well as the charges I had disputed. I closed the card, and have since been struggling to get the balance back down, because the card company will not remove the interest charges from the charges that were disputed and supposed to be removed. I recently called and asked why was I still being charged interest on charges that were supposed to have been removed from my card. It seems despite how much I pay this company, my balance seem to not go down. Now I was told on my last phone call that they are charging me interest on those disputed charges because I didn't provide them any documentation of the purchases, and when I explained that I could not provide paperwork I never had, it was like arguing with a wall because the woman couldn't seem to understand that concept. I am not sure if it was a language barrier or what the issue was, but when I called at got an american customer service rep and told them my issue, they hung up the phone in my face, and the foreign customer service reps never answer any of my questions. I am extremely frustrated by this issue because I continue to be victimized by the card company who claimed they were protecting me.

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 2019-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Kashia Services
State: CA

Complaint narrative:
I performed a search on the internet for quick money and/or need money fast. I received roughly 20+ calls from these loan sharks. Now I still do not know the name of the original company but I believe this is the company that is now having some " legal '' department call myself, guessing at people I know. Jeopardizing opportunities I may have for employment by calling people that are links on my XXXX  account etc. They continue to call and threaten harass and state they are going to serve me papers and tell every type of person I mentioned above that they are going to serve me papers and list some case number and other Personal information, addresses new and old are given out from the collector to people I do not even know. I know what whomever they may be is doing they are trying to scare me with this serving papers and calling my colleagues some times up to 4 times a day. Some of these people tell me they feel like they are in trouble with the wording this attorney or internal to whomever this original collectors uses. I do not remember receiving any lpan let alone a specific amount. They tell me and all the people they think know me that they are going to send me legal documents and again list some erroneous case number that matches nothing in the California open limited civil cases. I know they do not have such papers at least in my county where they would need to be filed so I know that is a lie. My biggest issue is that these people can ruin my chances of finding employment and secondly at this point cause additional XXXX XXXX  related to overwhelming worry and stress. May be that this inbox loan preys on the desperate. Regardless I have know idea what to do. They are truly acting like the mafia and jeopardizing by ability to gain employment. I am afraid for my life and want the to stop their scare tactics and more than 3 calls a day to myself and others. They switch around the list of who to bother each day. They do not have an idea who they are calling and just call any and all to give out personal information

Company response to consumer: Closed with explanation