vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Frauding scams using XXXX XXXXXXXX XXXX of XXXX XXXXXXXX Indiana of my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX frauding scams using landdelopments in MO Missouri frauding my serial numbered documents attached to my national security clearance data of VA and military documents and also hospital data Frauding scams using Land development using other states documents

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 2018-02-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: VA

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX XXXX Account was fraudulently charged by a merchant named " XXXX XXXX XXXX in the amount of {$160.00}. On XX/XX/XXXX, the same credit card was fraudulently charged again by the same merchant in the amount of {$180.00}. I submitted a statement of fraud to XXXX XXXX but the company didn't do anything, instead I was charged with two late fees in the amount of {$38.00} and {$29.00} on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, there were two interest charges in the amount of {$8.00} and {$7.00} respectively. I don't recognize the merchant nor did I receive any products from them. The current balance as of XX/XX/XXXX is {$580.00} due to incurring interest charges and late fees. I have tried to resolve the issues with XXXX XXXX fraud department but ended up with negative results, stating that the charges were valid. I even submitted a police report from XXXX Police Department reporting the fraudulent charges. These issues caused my credit score to dip down to 500s. Request that appropriate agencies investigate XXXX XXXX XXXX XXXX company and the merchant " XXXX XXXX XXXX ' for impropriety and defrauding the consumers.

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 2018-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: OR

Complaint narrative:
I received a {$1000.00} loan from big picture loans on XX/XX/XXXX. I read the terms and conditions and the interest rate was 500 %. No where did it state that this was owned by a XXXX. They said I would have to pay {$230.00} PER MONTH. I agreed because I wanted to pay it off the next month. I received and email saying they were going to debit my account again on XX/XX/XXXX after they already had on XX/XX/XXXX. The terms I received specifically states once per month. Not every two weeks. When I call its either no answer or its a round about with them. I cant get ahold of them to pay it off. I am being scammed and this is a huge fraud company. I now have to close my account because all they are doing is continuing to charge me interest and will not let me pay it off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I have duplicate reporting and one of them is closed and the other is currently opened and I had missed payment on them but ive been making payments on time and in fact I paid the balance down to 10 %.

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 2018-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is not honoring a card that I have a credit balance on and have attempted to do phishing when I call them. 

Before XXXX I paid into a credit balance on my card because of the trouble of them honoring it when I try to use it at XXXX. As always, they still stopped honoring the card. Usually when I get home it works again. I have a monthly autopay that they honored once after not honoring the card in the store and they then stopped paying on that, also. 

When I called, they failed to tell me why they stopped honoring the card. The operator inferred accusations against me without actually speaking them. The operator also demanded to do phishing for information on both Citibank and nonCitibank accounts. The operator let her irritation show at her inability to extort phishing information from me. The operator also refused to fix the problem with the card. 

I still have a credit balance of {$460.00} on the card that they owe me and have not refunded. They refuse to either reactivate or to cancel the card, claiming that it is still good. I have gone to the local Citibank branch to get a Citibank employee to get to the bottom of this but they were uncooperative with him too. 

My suspicion is that from the very start this was a phishing effort. They stopped honoring the card for the sole purpose of getting me to call so they could do phishing. The card wasn't just paid up, there was a credit, there was no reason they would stop honoring the card.

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 2018-02-18 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: CITIBANK, N.A.
State: NV

Complaint narrative:
Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues

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 2018-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
On Monday, XX/XX/2018 a XXXX XXXX XXXX, call my cell phone as ask for my name and date of birth. I did confirm that i was the XXXX XXXX and knew about this debt. Did try to make arrangements with the XXXX about this issue but the officer notify me that he wasn't from XXXX XXXXXXXX XXXX and they are going to collect this debt and accuse me of opening this account in the false pretenses. Even threat me, that they were going prosecute me and take everything i owned. I at this point told him i am not going to respond to threats and please get off the phone which then told me all the personal stuff including verbally attacking me say if " if you can afford your car payment you will afford payment i offer you. So start paying up now. Which at that point i hung up to phone which he called again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Frauding my immazation record of XXXX Indiana of XXXX XXXXXXXX others frauded as business permits and products and flood and semi truck rest stops and gas cards frauding XXXX XXXX XXXX of XXXX Indiana of my documents

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 2018-02-18 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: Midwest Recovery Systems
State: WA

Complaint narrative:
Midwest Recovery Systems reported in a false manner that I took out a payday loan from XXXX XXXXXXXX XXXX onXX/XX/XXXX in amount of {$260.00}. It then has just appeared on my credit report as a defaulted account and just appeared on my credit report onXX/XX/XXXX. I have done a direct dispute with XXXX   and XXXX. However XXXX is saying that it is accurate. I will be calling them ; But I never took out this payday loan and want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues

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 2018-02-18 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: NV

Complaint narrative:
Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues

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 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Frauding my immazation record of XXXX Indiana of XXXX XXXXXXXX others frauded as business permits and products and flood and semi truck rest stops and gas cards frauding XXXX XXXX XXXX of XXXX Indiana of my documents

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 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Frauding scams using XXXX Indiana serial Numbers of my great great grandma and grandfather fraud as business permits and ids scams and parks and school 's and building signage as court business permits and lawyer 's scams and doctor 's scams and others internet scams

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 2018-02-18 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I purchased a license for XXXX XXXX   for {$140.00} via PayPal. On XX/XX/XXXX, they charged me again for the software. It was inappropriate for the company XXXX to charge me again and PayPal refuses to reverse the charge. The website for XXXX   makes no mention of charging repeatedly for the same software that I have never had any use for anyway.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Frauding scams using XXXX Indiana serial Numbers of my great great grandma and grandfather fraud as business permits and ids scams and parks and school 's and building signage as court business permits and lawyer 's scams and doctor 's scams and others internet scams

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 2018-02-18 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: WA

Complaint narrative:
Equifax is allowing XXXX XXXX XXXX  to continue to report false information on my account. This is the 8th attempt at getting them to remove any balances owed to XXXX XXXXXXXX XXXX. I have paid them off in full both accounts. They continue to report a balance owing, as well as a fraudulent high balance and late status. As you will see on my credit report, I was never late, and paid them in good faith in full. XXXX XXXX   account number # XXXX XXXX XXXX XXXX And XXXX account number # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: WA

Complaint narrative:
XXXX is allowing XXXX XXXX XXXX to continue to report false information on my account. This is the 8th attempt at getting them to remove any balances owed to XXXX XXXX XXXX. I have paid them off in full both accounts. They continue to report a balance owing, as well as a fraudulent high balance and late status. As you will see on my credit report, I was never late, and paid them in good faith in full. XXXX XXXX   account number # XXXX XXXX XXXX XXXX And XXXX account number # XXXX 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 non-monetary relief
Consumer complaint received 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
16 listed Florida scams frauding my birth certificate of XXXX XXXX XXXX of XXXX XXXX Indiana of XXXX XXXX frauding also my parents marriage and divorce records which are white documents and serial numbered documents and mom is decest ofXX/XX/XXXX No fraud is authorized There frauding scams frauding my documents frauded my national security clearance data and va mail and Indiana social social date and insurance policies and finger prints cards and FBI back ground checks and medical records and passport data ext my police files and commodity broker career and IRS records and mail and family marriage and divorced record and banking data which I was shoved out for 18 years and always a turn down by bank 's for me for credit and credit cards and loans and also refusal to pay my insurance when I was robbed,

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 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent two ( 2 ) certified letters to the bank and to the CRA to investigate the duplication of an unauthorized inquiry placed on my consumer file I did not authorize. The offending duplicate inquiry is hurting my credit and it needs to be removed.

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 2018-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Been verified took {$1.00} from my account I immediately phoned my bank CHASE to let them know the transaction was not accurate, my bank was able to retrieve the XXXX back fast forward 3 days later the same merchant has taken XXXX from my account I filed a claim but the money could not be replaced because the merchant says I have a service with them which I do not. 
I don't understand why my bank CHASE would allow this merchant to go into my account twice after I called about this merchant the first time. Chase banks does not protect your money and to wait on hold to speak to nonchalant workers for a half hour at a time has been a complete waste of time and headache. Been verified is a scam well doing research on the company they have free trails so how was my card charged twice?! I have never agreed on there website for any monthly subscription besides what monthly subscription charges you 3 days later. This whole situation doesn't make any sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hi I had my coinbase account with id XXXX and changed my phone as a result the 2FA was not working. In order to recover my account I tried to upload my new identification documentation 100s of times but the system returned " ID Unreadable ''. I then created a new coinbase account XXXX with the same Identification documents and it was recognized. I then asked Coinbase to : 1 ) Either recognize my identification documents for account XXXX OR 2 ) transfer my coinbase funds ( BTC, ETH, LTC, etc ) from my old account XXXX to XXXX - so that I could get access to my funds. 
I have been unable to access my coins / funds since XX/XX/2017. 

Several tickets have been raised for both the above requests, but till date the only response I have got it they are working on the issue, for the past 3 months I have been following up regularly but my problem is still not solved. 
1 ) Tickets to restore my old account ( XXXX ) # XXXX ( XX/XX/2017 ) 2 ) Ticket to transfer funds from old account ( XXXX ) to ( XXXX ) # XXXX - initially raised on ( XX/XX/2017 ). 

Their software easily reads my id when I create a new account, but when I try to restore my old account it fails badly. 

I have been following up almost daily on XXXX and sending reminders to help me as approx. XXXX USD amount of funds are stuck and I can not get access to the coins. 

I am ready to send them any documentation they need, they already have my mobile number and can verify my identity using SMS and my pictures. 


Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
16 listed Florida scams frauding my birth certificate of XXXX XXXX XXXX of XXXX XXXXXXXX Indiana of XXXX XXXX frauding also my parents marriage and divorce records which are white documents and serial numbered documents and mom is decest of XX/XX/ No fraud is authorized There frauding scams frauding my documents frauded my national security clearance data and va mail and Indiana social social date and insurance policies and finger prints cards and FBI back ground checks and medical records and passport data ext my police files and commodity broker career and IRS records and mail and family marriage and divorced record and banking data which I was shoved out for 18 years and always a turn down by bank 's for me for credit and credit cards and loans and also refusal to pay my insurance when I was robbed,

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