vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I went to make a withdrawal from my account on XX/XX/2019 and found that I could not. I was under the impression that the ATM was not in working condition because this particular machine has issues periodically. The following day, XX/XX/2019, I attempted to make a purchase and my transaction was declined prompting me to call AMEX. The balance was not accurate and so I requested to hear the transactions. Upon listening, I find that there has been a purchase made that I do not recognize and request to speak to an agent to get more information about the charge. I speak with the agent, find out that the person used my information in a totally different state and am then put through to the fraud department where I file a dispute about the charge. I can't remember the exact length of time that I was told by the agent that it would take for the investigation, but a replacement card would be mailed out in 7-10 days. I was advised by the agent to go online in order to view a statement so that I could see more transactions. When I did that, I found two more purchases and called AMEX customer service again so that those charges could be disputed. I was again put through to their fraud department, but this time was told that the charge had not actually gone through yet ( funds had been removed from my balance and put on hold ) and I would have to wait until the charges went through in order to dispute the charges. I wait until the following week, either XX/XX/XXXX or XX/XX/XXXX and no card so I call in and am advised that they won't be sending a replacement until XX/XX/2019. I waited patiently thinking/hoping that my replacement would not take 29 days to be issued. On XX/XX/XXXX, I call in and speak to at least three different agents before I have to ask for a supervisor who informs me that the first agents that I spoke with on XX/XX/XXXX and their fraud department never followed up with my dispute. The billing department closed the case and never gave the information to the fraud department. By this time, the second fraudulent charge has now been processed and paid out. I was told that the dispute has now finally been filed and a replacement card will be mailed out. I don't have any faith that this will happen at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Altisource Portfolio Solutions, S.à r.l.
State: GA

Complaint narrative:
On XX/XX/2019, I logged on to my XXXX XXXXXXXX XXXX account and noticed that there was a transaction pending for the amount of {$1000.00} from XXXX XXXX. I did not authorize or have not had any dealings with XXXX XXXX. I contacted XXXX XXXX XXXXXXXX and was advised that they charge was pending and that they could not do anything about it. They gave me the number that was linked to and advised that whomever initiated this charge did it with my routing number and account number and my name. I advised XXXX  XXXX XXXX that I did not authorize such and had no idea who XXXX XXXX is. They gave me a contact number to XXXX XXXX. I contacted them only to have to leave a voice mail and get no return call. I logged on to their website and completed a dispute and asked for a return call but have not received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is a scam whereby they are asking to ACH debit my checking account for a credit card debt while impersonating themselves as American Express. The phone number that they use is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Nationstar Mortgage/Mr. Cooper has tarnished my credit by indicating that I have been late on 5-6 payments of over 30-60 days in XXXX. I have proof that Nationstar Mortgage was paid on time from XX/XX/XXXX to XX/XX/XXXX thru AutoPay from XXXX XXXX XXXX.I attached copies of all payments to Nationstar Mortgage from XX/XX/XXXX through XX/XX/XXXX that were made by Auto Pay by XXXX  XXXX XXXX that show the confirmation number that each payment was processed. No payment was tardy. No payment was missed. I have asked Nationstar/Mr. Cooper to correct this for quite some time, but refuse to do so because they state that the payment had increased and since I was never notified by mail or phone, the autopay continued to pay {$690.00} for the payment for XX/XX/XXXX. I then received a letter from Mr. Cooper stating that I owed over a thousand dollars and when I called them to inquire, they advised that the taxes had increased and that the monthly payment would be now in the area of {$820.00}. On XX/XX/XXXX & XX/XX/XXXX I made payments in the amount of {$820.00} until I received a statement indicating that the payments are now {$810.00}. I made a double payment on XX/XX/XXXX and XX/XX/XXXX of {$810.00} like they advised me over the phone to pay for any additional taxes and that I would be then current. I have made monthly payments of {$810.00} to this date. I have called Mr. Cooper/Nationstar countless times and they do not want to help me nor seem to care. In the meantime, I am unable to get a loan because of their incorrect statement that I have been late 5-6 times on my account in XXXX. I have made a report to XXXX, XXXX, XXXX, and to the Consumer Protection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I upgraded to my amex platinum card from Amex greencard when there is a promotion of XXXX points when I spend XXXX $ on the first three months last year. I spent more than 10000 $ on this card. I was charged the annual fee difference ( from green to platinum ) on the following months in 2018. When I was charged for the annual fee of XXXX $ at the end of XX/XX/XXXX, I thought I was in the second year, I could not afford it any more. So I called to raise my concern. I was offered either keeping my card and spend XXXX $ in three months, I will get extra XXXX points, or I downgrade to another great card, " Amex gold rewards card ''. I selected the second option. 

And today, I found that my XXXX membership rewards points were removed from my card because that I closed my account within 12 months. After I talk to customer service and membership rewards, I just become aware of this term and condition. I feel so sad, yes, The confusion regarding how Amex count the calendar year mislead me to downgrade my card, However, the customer service agent did not remind me when I downgrade my card, otherwise, I will reconsider. 

As a customer for 15 years with Amex, I hope Amex could find a solution for my case and credit my XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
There are two collections against me from a company called First Financial Asset. ( Account numbers XXXX and XXXX ) These are from a medical laboratory. I contacted the lab and they agreed that these did not belong to me. They said they would call them back from the collection agency and remove them from my credit files. This was the first of XXXX. 

I disputed these with all three bureaus and not only did First Financial Asset respond that they belonged to me, they left them on my file AND they updated them again for an additional month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT HAS BEEN AFFECTING MY CREDIT SCORE. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE ; I WOULD LIKE A RE-INVESTIGATION INTO THOSE ACCOUNTS AND HAVE THEM OFF MY 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 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Repeated calls even after sending and receiving confirmation of receipt of a cease and desist order. 

Cease and desist sent : XX/XX/2019. 

Confirmation received : XX/XX/2019. 

First subsequent call : XX/XX/2019. See attached email chain. I responded to the call via email, including the Cease and Desist order, copied the NY and Virginia State Attorney 's General, and The Virginia State Attorney General 's Office acknowledged my request to Portfolio Recovery Associates and logged my complaint. 

Second subsequent call : XX/XX/2019. I responded to all again requesting the Cease and Desist order.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2019, I sent {$300.00} to someone through Bank Of America 's app using XXXX, to buy tickets for a comedy show. As soon as the user received the money, they blocked my phone number and did not send the online tickets. 

I immediately called my bank to cancel the transaction but they said that because the payment was authorized and completed, there was nothing that they could do. 

I've also reached out to XXXX directly, but they've told me that they don't cancel completed transactions.

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 2019-05-07 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: AZ

Complaint narrative:
Okay TransUnion is showing several inaccurate accounts on my credit report. I have disputed the inaccuracies and TransUnion refuses to correct or delete this information. My rights are that they must be complete, accurate and verified. I have accounts that do not belong to me. There are addresses that do not belong to me. TransUnion still refuses to correct these issues. I am filing this complaint as just one-step in the process before initiating legal proceedings in a court of law. The accounts are : XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX Account # XXXX I have sent TransUnion the reasons on why these accounts are inaccurate . It is concerning that, the accounts were deleted from XXXX but TransUnion will not do a proper investigation to remove. I will also be filing complaints with the FTC and Attorney General before taking legal action in a court of law.

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 2019-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I settled a loan with XXXX XXXX XXXX through XXXXXXXX XXXX XXXXXXXX. Account number XXXX. The agency agreed to remove the balance for one payment of {$6500.00} which was made in XX/XX/XXXX. XXXX left a balance of {$6500.00} on my credit files. I disputed this with the three bureaus and they left it on the file. This is a direct violation of the Fair Credit Reporting Act. A company may not reflect a status on an account with the bureaus that it knows to be inaccurate. 

There is no remaining balance owing on this loan as part of our settlement agreement.

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 2019-05-07 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT HAS BEEN AFFECTING MY CREDIT SCORE. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE ; I WOULD LIKE A RE-INVESTIGATION INTO THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: MI

Complaint narrative:
I contacted Equifax several times regarding inquires on my credit report. Let me first start off by saying that I completely understand that inquires are a part of factual data and I am not disputing the fact that these inquiries were put on my credit report due to fraud or identity theft. However, I contacted each of the following companies XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX  asking if they would remove the inquiries from my credit report and they agreed. I then sent these letters to Equifax showing that the original creditor has agreed to remove the following inquiries from my credit file and I asked for Equifax to open a dispute to remove them. All 3 times I disputed these inquires Equifax responded that inquiries are a part of factual data They did remove the inquiries from my credit report nor did they open an investigation to dispute with the original creditor regarding the inquiries. This is why I am filing a complaint against Equifax. Equifax has failed to conduct a reasonable investigation regarding the matter which is in violations of the FCRA. I am requesting that Equifax remove the following inquiries from my credit report ; XXXX XXXX  XX/XX/18, XXXX XXXX XXXX  XX/XX/18, XXXX XXXX  XX/XX/18, XXXX XXXX  XX/XX/18 and XXXX XXXX  XX/XX/18.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 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: CA

Complaint narrative:
I received a call from social security administration ( display on my phone ) stating that my personnel identity has been stolen and there are 7 charges ( from various government agencies filed against me ) including money laundering etc. and an arrest warrant has been issued. I have to cooperate with local police if I don't want to go to jail, who then connected me to local police no. person on other side gave his name and badge no, saying I have to follow their instructions. Since I am new immigrant to US and got threatened and followed their instructions of purchasing  gift cards of XXXX and provided them the detail of same ( their instruction was to first secure the funds first and place it in XXXX   account and once new SSN is issued I can open new bank account and transfer this money from this account to new bank account ). Once I realized that I am victim of fraud I did call Citi bank and XXXX  gift cards but it was too late. I also call local police ( who said a big scam is going on so ignore those calls ), still I insisted to file a complaint and they did so. Its very difficult for me to meet both ends and save some money for my kids education and now I feeling robbed and in bad mental state as I am not able to realize that, how can I do such thing and was hoping that City bank could have look at my case as genuine and help me to cover all or some these fraud charges.

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 2019-05-07 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: Presto Auto Loans, Inc.
State: AZ

Complaint narrative:
Presto tittle Loan I paid off the whole balance of my loan, the next time I went back try to get a new loan, they told me I need to ask credit bureau, some things they report on my credit, even thos I paid it off!

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 2019-05-07 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: MI

Complaint narrative:
I contacted Transunion several times regarding duplicate inquires on my credit report. Let me first start off by saying that I completely understand that inquires are a part of factual data and I am not disputing the fact that these inquiries were put on my credit report due to fraud or identity theft. However, I contacted each of the following companies XXXX XXXX, XXXX XXXX, XXXX  Card and XXXX Bank asking if they would remove the inquiries from my credit report and they agreed. I then sent these letters to Transunion showing that the original creditor has agreed to remove the following inquiries from my credit file and I asked for Transunion to open a dispute to remove them. All 3 times I disputed these inquires Transunion responded that inquiries are a part of factual data They did remove the inquiries from my credit report nor did they open an investigation to dispute with the original creditor regarding the inquiries. This is why I am filing a complaint against Transunion. Transunion has failed to conduct a reasonable investigation regarding the matter which is in violations of the FCRA. I am requesting that Transunion remove the following inquiries from my credit report ; XXXX XXXX XX/XX/2018, XXXX XXXX  XX/XX/2018 and XX/XX/2018, XXXX Card XX/XX/2018 and XXXX XXXX XXXX   XX/XX/2018.

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 2019-05-07 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: PlusFour, Inc
State: NV

Complaint narrative:
I had disputed several accounts posted by PlusFour , Inc collection agency in my XXXX  files that belong to my Ex-wife. 
Reporting agencies are supposed to report accurate information but XXXX continue to report accounts thatre not mine. 
PlusFour , Inc is aware that these accounts are not mine, but they continue to report these accounts to the credit bureaus. 
I had disputed these accounts with both XXXX  and PlusFour , Inc. 
The facts are, first I never been at XXXX XXXX XXXX for anything. Second my Ex-wife and my children are cover by my health insurance company that is why they have my name and social security for purposes of filing insurance claims but, in no way, Im obligated to pay for any contract my ex-wife gets into it. 
XXXX XXXX XXXX had summitted claims with the wrong social security number and that is why those accounts were never settled on time, they were settled at a later day and that was an error made by XXXX XXXX XXXX when they used my ex-wife social security number to summit the claims. 
So, getting back to PlusFour , Inc I was never notified of any collections by PlusFour , Inc or their client XXXX XXXX XXXX, I discovered these collections after requesting my credit report. 
Immediately after discovering that PlusFour , Inc had posted these negatives accounts on my credit report I disputed these accounts with XXXX and I requested debt validations directly thru PlusFour , Inc. 
PlusFour , Inc had never responded to any of my request even after I informed them that these are my accounts and they had not produced any documents showing that makes me responsible for these collections. 
I believe that XXXX favor they paid clients and really dont want to upset by requesting full verification from PlusFour , Inc. 
Its not fair that thousands of innocent consumers life is damaged by the behavior that XXXX had shown over the dispute process and collection agencies like PlusFour , Inc that reports inaccurate information without any consequences due to the loop holes in the laws.

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