vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-18 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: GA

Complaint narrative:
1 ) My XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be. 

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all 3 bureaus.

3 ) My XXXX XXXX Credit Card does not show up on my Equifax report but shows on XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
I do not know what this debt is therefore I attempted to have company remove but that was not successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18 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: GA

Complaint narrative:
1 ) XXXX XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be. 

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all XXXX bureaus. 

3 ) XXXX XXXX XXXX Credit Card does not show up on my XX/XX/XXXX report but shows on Transition & 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 2017-12-18 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: GA

Complaint narrative:
1 ) My XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be.

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all 3 bureaus.

3 ) My XXXX XXXX Credit Card does not show up on my XXXX report but shows on XXXX & Experian.

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 2017-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I had a XXXX XXXX back in XXXX XXXX, was out of work for almost a year. Finally caught the mortgage up in XXXX, but have gotten behind. Company doesnot communicate, returns funds, applied funds to other accounts. Just read a XXXX review of loancare. This is not an isolated company. They say no mortgage paid since XXXX XXXX. Have an appointment with bankrupcy attorney as last attempt to save our home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to Equifax once again regarding information that was removed and has now reappeared since the breach. I disputed all medical per law in XX/XX/XXXX. Every collection was removed according to law. I check my credit report WEEKLY for any errors or old info that may reappear. Once a consumer dispute an item and it has been removed. I can never figure out why we have to keep checking to be sure it has not returned. It seems as though Equifax would keep record of items they have removed and the consumer does. This is why I dispute with CFPB, because there is always a electronic trail. I looked at my credit report yesterday and noticed a 33 pt drop due to an added old collection that was removed in XX/XX/XXXX.

I disputed this on XX/XX/XXXX and Equifax responded on XX/XX/XXXX with all items removed from XXXX XXXX. Please remove to the original complaint id # XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
PayPal charged my credit card {$150.00} for disputed fees without telling me. 
PayPal charged me {$150.00} because of a chargeback against me. {$130.00} was the amount of the item, and {$20.00} was a punitive charge for getting a chargeback. I vehemently object to these charges. I did nothing wrong. When they charged me this {$150.00}, it put my PayPal account in a negative state. I formally appealed their charges because I acted in good faith and the buyer broke the PayPal rules. I have mountains of email and bank statements showing the transaction was legitimate. I have an impeccable rating on XXXX and PayPal. Because I did n't fund my negative PayPal account while i was disputing the {$150.00} PayPal charges, PayPal unethically and without notifying me, added {$150.00} to a {$51.00} online purchase I made. This additional charge also does not show up on my PayPal statement or activity. It does n't show up anywhere. The only way I knew I had been charged was when I checked my XXXX credit card statement. PayPal used my XXXX credit card as payment method for the {$51.00} purchase, but XXXX did not warn me that they were processing the transaction for a much higher amount that I thought I would be charged. They did not tell me during the transaction that I would not be charged {$51.00}, but {$200.00} instead. This is unethical, and I believe illegal, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I changed my service from XXXX to another carrier on XXXX/XXXX/XXXX. XXXX XXXX XXXX was the provider for internet through XXXX. I cancelled my services and they sent me a box to ship their equipment back to XXXX which is what I did. Later, since I had overpaid, they sent me a check to refund my account in the amount of {$34.00}. On XXXX/XXXX/XXXX I received a bill stating that I owed {$160.00} from Diversified Consultants, Inc. ( a collection company ). I called them and they stated that I still owed to XXXX XXXX XXXX. I disputed that claim and they said I have to call XXXX XXXX XXXX to have it removed. I called XXXX XXXX XXXX and they said I did not send back a modem so I was being charged. I disputed this with them saying I sent everything back to XXXX, gave them a tracking number and did not owe this amount. I spoke with several people at XXXX XXXX XXXX and finally, at a later date, I received a call from a representative named " XXXX '' on XXXX/XXXX/XXXX and she stated that I would receive a revised bill with a XXXX balance in about XXXX business days and they will contact the collections agency to state I have a XXXX balance. I assumed everything was taken care of until I applied for a loan for a car and discovered the collection account charged against me. I called the collection agency again and they stated I need to call XXXX XXXX XXXX which I did on XXXX/XXXX/XXXX. I spoke with XXXX and she said my account had been closed so there were no notes. I told her they needed to call the collection agency and have it removed but she said since the account was closed there was nothing they could do. I then asked to speak with a supervisor and was sent to a voice mail for " XXXX ''. I never was contacted and despite my following attempts to reach him, I never received a call back. I am tired of dealing with this poor customer service and am requesting an intervention from your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
My previous complaints about original student loan Servicer, AES/PHEAA must have been too complicated for them to understand, so I will keep it clear and simple task and request I want them to do. 

I want AES/PHEAA to provide me proof, and not their own letters, or documents, as theirs are absurd and untrue XXXX, that these loans are mine. 

Original loan documents, from XXXX XXXX XXXX XXXX, My College, Federal Government, as they are require to maintain such documents on my ORIGINAL LOAN IN XXXX, not the XXXX consolidation loan, the ORIGINAL loan in which they are/were the original servicer. 

As they proved past 8 months, and searched for 3, they have no such documents as I know they do n't exist, so I want them to write off their {$25000.00} profit they made off these loans do their job and cancel these loans, and return my money. 

I have contacted XXXX XXXX XXXX, Secretary of Education, and provided her copies of our communication, as attached, proving AES/PHEAA statements are not only untrue, but outrageously absurd at the same time. 

They say they did n't have loans after XXXX, yet they sold them to 2 different Loan companies in XXXX, and re aged a student loan from XXXX, that I paid off over 25 years ago, and included it as well when they sold these loans. 

If I do not get a favorable response from XXXX XXXX XXXX she is aware I will seek legal action against her, and AES/PHEAA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18 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: TX

Complaint narrative:
XX/XX/XXXX {$5000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$1000.00} Amounts paid to XXXX XXXX ( XXXX XXXX ) for investing. XXXX claimed to be a broker trading on the stock market, trading stocks, commodities, currencies, and indices. They claimed to be based in XXXX. They are not, and were never registered brokers in XXXX or the U.S. where I reside. This is required to be able to provide this service. The platform used for " trading '' was nothing more than a video game not connected to the market in any way, shape, or form. I have submitted all documentation to Citi, but they have denied my dispute saying " they provided trading ''. They sent me a letter saying " this is the last we will say about this ''. They were not submitting my dispute to XXXX, because of other reasons that I am not disputing.

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 2017-12-18 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase Slate account ending in XXXX A dispute in the amount of XXXX XXXX XXXX XXXX XXXX has been on going for several weeks now, it was initially disputed in XXXX, closed by Chase and subsequently reopened, still no resolution. The account was paid off less the dispute amount of XXXX which does not include interest and fees associated with charge, additional interest has been charged as the account has cycled. A payment was due which has been made for XXXX in the amount of XXXX. Please note, the total charge from merchant is actually XXXX. An of XXXX was charged to my debit card with XXXX XXXX XXXX, which was also disputed and has since been resolved as a credit was issued by XXXX XXXX and is now permanent. Chase has not resolved it on their end. As I stated before and again here, the item XXXX XXXX ) were delivered to wrong address, signed for by someone else. A person by the name of XXXX XXXX signed for the package, Chase reps in both claims and their executive office have this information and again, they have not reached resolution to date. The package was delivered on XXXX, I was not at home on this date. Once Chase reaches a resolution, I need a check for payment I made of XXXX plus interest and fees associated with charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX reported a hard inquiry conducted by Equifax on XX/XX/XXXX from XXXX XXXX - oh. This is the second hard inquiry from XXXX on XX/XX/XXXX. The first XXXX XXXX, TX. I reported this hard inquiry to cfpb on XX/XX/XXXX. ( XXXX ). I was contacted by XXXX this morning and suggested sending a letter to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
First of all I would like to say that I am uncertain which category I needed to select, but I believe several would qualify. OnXX/XX/XXXXandXX/XX/XXXX I wanted to see what Bitcoin was all about. I thought I had an understanding, but clearly do not with regards to Coinbase. I purchased {$400.00} total via a XXXX credit card. I have had issues with Support from Coinbase from the get go! You can get NO SUPPORT from this company. I submitted support requests online, only to get automated responses that there is a delay in getting your issue or questions answered or resolved. I have called the Customer Support #, only to be on an eternal hold and no one answers. I want to close my account and will forfeit any profit made thru Coinbase. I was unaware that I would be required to submit a picture of my photo ID, front and back, to Coinbase .... and I am unwilling to do so for fear of my identity being stolen. 
I believe Coinbase is operating fraudulently and should definitely be looked at or closed down! 
Thank you! 
XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
XXXX XXXX I made a payment to a law firm ( XXXX XXXX XXXX ) via Western Union in the amount of XXXX plus the XXXX fee. 

XXXX XXXX XXXX is stating they never received the payment. I have spoken to Western Union numerous times about this and they claim that they are not able to reach that firm. They will not take the number that I reach the firm on which is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
On XXXX, XXXX XXXX MoneyGram transaction for $ to be sent to XXXX XXXX XXXX . Amount was {$75.00} + {$8.00} fee. Reference number : XXXX. NAME WAS CORRECT ON RECEIPT : XXXX XXXX XXXX The following are e-mails from receiver ( XXXX ) : XXXX XXXX : Good morning. I went to the moneygram oficce. And they ask me for the amount and password. I couldnt get it Without. 
XXXX : Money amount is {$75.00}. Use this reference no : XXXX XXXX : Good nigth XXXX . 
I stop by moneygram to see if I can pick up the money. Its already here but my name saids XXXX XXXX and its need to saids XXXX XXXX XXXX. Hope you can fixed. Thank you very much. 
XXXX XXXX : Good nigth XXXX. 
I went to moneygram office to pick up the money. Its alteady in XXXX but my name has a problem. It sais XXXX XXXX and its need to saids. XXXX XXXX XXXX. I couldnt get it until my name be corectly. Thanks again. 
XXXX XXXX : Hi! XXXX How are you. Hope you be ok. 
I went to moneygram office. Money its here. But my name its wrong. Its saids XXXX XXXX. And it sould saids XXXX XXXX XXXX XXXX : Can you fix it please. Otherwise it wont be paid it to me. Sorry for the inconvenience..thank you. 

XXXX : Still im having problem with the money. They said it wont show up this time. Is kind of frustreited ... see if you can fixed. If not dont worrye. Thank you very much. And sorry for all this running on you ... 
XXXX : XXXX XXXX Its me again. Money gram office said you have to change the number refetence. And fix the way they wrote my name Otherwise I cant cashed. Hope you can do it. Thanks. I spend like XXXX dolls. On gas I went to a diferent money gram office. 
XXXX : ( me sending response ) What a XXXX disgrace. Anyway, Moneygram changed the name to read : XXXX XXXX XXXX. The reference number is o.k. : XXXX. If this is not successful, get me the phone number - full number with country code, etc. of the agent you are dealing with so I can try to have MoneyGram call them. Feel bad you have spent so much $ on gas. I am going to call Money Gram in Minnesota to complain. 

XXXX : Thats my phone number. I will stop at moneygram today and see if I can have the money. They open at XXXX I will sen you a email soon as I have an answer. Thank you. 
XXXX : ( me sending response text ) if they hassle you, tell them they are supposed to call their office and confirm the transaction. 
XXXX : Good afternoon XXXX . finaly I recive the money. Thank you very much and sorry for all this running.. it was hard for you. Thanks for XXXX money. Wish you the best and XXXX bless you ... we are on touch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Account with an appliance company and if only a day late they will first repeatedly call personal cell phone every hour then start calling work number. This is the third time from XXXX XXXX that I have received a call with the latest call received today at my place of employment XXXX XXXX, XXXX at XXXX XXXX while I 'm servicing customers. I have repeatedly asked the caller XXXX to stop calling my work. I pay the account online and have never missed a month of payment. This company took over for the original holder of the agreement which went out of business ( H.H. Gregg ) and if I was going to be late I just notified them. I 've attempted to do the same thing with this company ( XXXX XXXX ) but she continues to call even after arrangement has been made.

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 2017-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX reported a hard inquiry conducted by XXXX on XXXX XXXX from XXXX XXXX - oh. This is the second hard inquiry from XXXX on XXXX XXXX. The first XXXX XXXX, TX. I reported this hard inquiry to cfpb on XXXX XXXX ( XXXX ). I was contacted by XXXX this morning and suggested sending a letter to XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2017-12-18 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: Continental Finance Company, LLC
State: CT

Complaint narrative:
Continental Finance credited my account in the amount of XXXX on XXXX, this is for a disputed charge from XXXX, I was sent an empty watch box from this company. The bank has not credited interest and fees associated with charge, the account is now paid off with a zero balance. Since they agreed to resolve a prior complaint and credit my account, they should also credit all interest and fees associated with charge. Please advise them I need a check for this amount ASAP as the account is paid off and closed.

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 2017-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
I made an arrangement with XXXX XXXX XXXX , XXXX to pay {$220.00} for settlement of debt to be paid by XXXX XXXX, XXXX. I call the company on XXXX XXXX, XXXX, and spoke to a XXXX . XXXX. I made the payment that same day using my debit card. XXXX XXXX sent by email the payment receipt dated XXXX XXXX, XXXX. I notice on my XXXX XXXX, XXXX, on my credit report for XXXX XXXX / XXXX account in the comment section that it was purchased by another lender. So I contacted XXXX  and they told me that XXXX XXXX XXXX has this account. I asked why and told them that I had paid the account with XXXX XXXX XXXX. The representative told me that they did n't have any information concerning this company or payments and I would have to contact XXXX the lender. I contact XXXX XXXX  and spoke to a XXXX XXXX concerning the issue. She told me to email to her the receipt of payment and she would get back to me. I received an email from her stating that the document I sent did n't show that the original creditor was XXXX that it was Credit Corp Solutions. She told me to contacted XXXX XXXX  about the payment and Credit Corp Solutions. I told her I did and they advise me to call her company. I asked her if she could send something stating that this payment was received to XXXX Credit Bureau and XXXX XXXX / XXXX. She told me that they sent out this information to the credit bureau in XXXX XXXX and the company does n't do this anymore and she could n't help me. Therefore I should contact Credit Corp Solutions and XXXX XXXX again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation