vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-03 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:
I have submitted a request for account validation on different accounts from Experian. I requested that they send to me the files they used to verify the accounts and the name of the person they verified with. They have ignored my request on 2 different occasions and continue to send me updates that the account has been verified without proof as required under the FCRA section of 1681 ( a ) ( 4 ), they is negligent noncompliance and a violation of Federal Law. Being that they are unable to verify and send information as to how it was verified it should have been deleted and they refuse to delete as well. I have been sending letters to them since XXXX XXXX, 2017 and it is well over the 30-45 days in which they are allowed to send over the validation or DELETE the item from my 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 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has an amount of {$250.00} they accuse me of owing, they have sold this account to several collection ( Transworld Systems Inc and Now XXXX XXXX XXXX ) agencies. Which XXXX XXXX has reported this item on my credit report in the amount of {$310.00}. In X/X/2015 my daughter was seen at XXXX XXXX Hospital, while she was still covered under XXXX ( which expired in X/XX/15 ). So someone drop the ball and did n't charge or follow up with XXXX and now harassing me for an amount that they think owe. I tried to resolve this several times. I even made one payment in error not realizing that this was an account that was suppose to be paid by XXXX. When I requested for my money back they said no. I 've sent a letter too, stating that I do n't owe this money. So here we are now 2 years later. I 've never received a letter from this XXXX XXXX XXXX of validation of this account ; and the amount they are trying to collect is {$310.00} which is a different and higher amount. They reported it to the credit bureau, I called them to inquire and they ca n't even find me in their system, but yet this charge is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I visited XXXX to obtain a copy of one credit report. After providing my personal information three times for each of the agencies, I was denied access to my report by all three : XXXX - " We are not able to deliver your free XXXX credit report online '' Transunion - " We are not able to provide you with your online Personal Credit Report since it contains an open dispute currently under investigation. '' XXXX - " A condition exists that prevents XXXX from being able to accept your request at this time ''

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 2017-08-03 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:
I have submitted a request for account validation on different accounts from XXXX. I requested that they send to me the files they used to verify the accounts and the name of the person they verified with. They have ignored my request on 2 different occasions and continue to send me updates that the account has been verified without proof as required under the FCRA section of 1681 ( a ) ( 4 ), they is negligent noncompliance and a violation of Federal Law. Being that they are unable to verify and send information as to how it was verified it should have been deleted and they refuse to delete as well. I have been sending letters to them since XXXX XXXX, 2017 and it is well over the 30-45 days in which they are allowed to send over the validation or DELETE the item from my 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 2017-08-03 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:
I have submitted a request for account validation on different accounts from XXXX. I requested that they send to me the files they used to verify the accounts and the name of the person they verified with. They have ignored my request on 2 different occasions and continue to send me updates that the account has been verified without proof as required under the FCRA section of 1681 ( a ) ( 4 ), they is negligent noncompliance and a violation of Federal Law. Being that they are unable to verify and send information as to how it was verified it should have been deleted and they refuse to delete as well. I have been sending letters to them since XXXX XXXX, 2017 and it is well over the 30-45 days in which they are allowed to send over the validation or DELETE the item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: DISCOVER BANK
State: RI

Complaint narrative:
In XX/XX/XXXX, my mother used my Discover card ( Account # XXXX ) for an auto mechanic purchase of {$800.00} without my knowledge. When I received my statement and asked my mother about this, she told me she did n't have the money at the time and needed to use my card and would pay me back. 4 months later, she was diagnosed with XXXX XXXX XXXX XXXX and became bed ridden and retired from work and was never able to repay me and passed away in XX/XX/XXXX. Due to my emotional stress and personal nature I neglected to report this claim and as the interest accrued over an illegal purchase discover eventually contracted to relieve me of my debt but their law office ( XXXX XXXX XXXX, XXXX. ) continued to attempt debt collection breaching the new contract Discover Card had made with me and is now attempting to garnish wages based off this false claim of debt. Discover card claims that this is a breach of their Cardmember Agreement of which I do not have a copy of nor do I have any proof of signature that I signed this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: Creditech, Inc.
State: PA

Complaint narrative:
Creditech a debt collector destroyed my credit score by the way they report delinquent sewer bills. I have one sewer bill for the last thirty years that I make payments on. On my credit report the debt collector reports separate accounts for each year. I looks as though I have never paid anything on three separate accounts. They are destroying my credit. the dates are XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... credit report is showing four separate accounts as delinquent. Today XX/XX/XXXX I spoke to Creditech representative to complain ... number one this is a tax that is not subject to credit report. number two I have been paying XXXX a month on one account ... ... for a property at XXXX XXXX, XXXX XXXX, PA not 4 separate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On XXXX XXXX,2017 I saw in TV the commercial of Wetern Union where they offered money transfers in just minutes, and I decided to tried it.I download the app in my phone and I did the transfer for a fee of $ XXXX.What happenned was that my Mom have n't received the money yet, and she has {$0.00} in her bank account, so she ca n't even get medicine or food.How is it possible that they advertise a service that has nothing to do with the reality? My Mom and I were worried from the first day, but we said let 's wait because maybe for being first time users they verified the accounts and the information, but today I checked the bank account and it was still empty.I called them, and they said that the money will be available on XX/XX/XXXX, and they ca n't do anything to help me, just cancel the transaction and wait for the same amount of days to be effective.I explained to them the necessity of my Mom for having the money, and I asked the help of a Supervisor, the person with whom I was talking told me that it is not possible for them to change the transfer once it was made, so I feel very sad and very frustrated because they treated me without any kind of compassion, they simply do n't care.It 's a shame that in this great country things work so bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Received a call on my job phone and cell phone from XXXX XXXX ( on XX/XX/XXXX ) with XXXX XXXX who said she was representing Ace Cash ExpresXXXX from a debt from XX/XX/XXXX. She stated that I committed fraud, but this debt was paid to the collection company that Ace sold the debt to back in XX/XX/XXXX. I also received a letter last year ( XX/XX/XXXX ) stating that there was a settlement against Ace Cash Express from the CFPB and I won a portion of the amount that I had paid.Texas ' four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means thatdebt collectors can not sue individuals in an attempt to collect debts that are more than four years  past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On the morning of XX/XX/XXXX I contacted XXXX/XXXX ( my and their phone records would support this ) to determine if requesting a credit limit increase would be a soft or hard inquiry in their process. I was advised that it was a soft inquiry which would not impact my credit score. I then went through with the process ( online ) with my Best Buy and Home Depot credit card accounts since they are both managed by Citibank.
I was granted the increase, but it was indeed a hard inquiry which resulted in a negative effect on my credit score. The purpose of requesting the increase was to reduce my credit utilization, whereby improving my credit score. In actuality, due to the inquiries it resulted in a 4 point reduction. I contacted the credit agencies and told them what had transpired. They advised me to contact Citibank and have them complete & submit an Inquiry Deletion Form to them. Citibank declined my request stating that they could not do so since they did increase my credit limit. Although, at one point a customer service representative advised me that the XXXX/XXXX XXXX inquiry would be deleted. I received follow-up communication that it would not. I am writing here to receive assistance in resolving 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 2017-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX Thursday, XX/XX/XXXX I called TD bank they told me I have to come in to set up online banking. I arrived shortly after I arrived @ TD bank XXXX XXXX supervisor Im formed me of 3 open accounts that I had open recently I called TD bank they told me to come to the office to sign a document that was n't known to me stating that they get my funds I was lied to by XXXX XXXX informed me nothing instead told me I was signing for the 3 accounts I my signature was not authentic because I was n't aware of the fraud That was being played on me I made 3 deposits in 3 accounts all totaling over ten thousand dollars and the say that there was no deposits ever made a lie XXXX said that they may close my account due to an old account that I owe {$250.00} because of a charge off account # XXXX was closed on XX/XX/2015 that 's why they had to closed my accounts which I never had access to. Other than atm deposits she called a number which is XXXX I called the same number it said that was no account which I was lied to about a charge off for {$250.00} she got caught in a lie and then called the police stating she did because I did n't have a shirt on which cameras prove I did have a shirt on police come and threatened me that the owner said if I comeback to lock me up for trespassing. When they wanted me to make a deposit in that branch to get online access to my account this was a scam from day one I feel that my account and personal information has been compromise by TD bank ceo/staff I have a lot of identity theft being used in my name I 'm reporting fraud and identity theft I was forced to sign papers that breach of contract please help I 've tried countless times to resolve this matter please help me resolve this matter city of XXXX police threatened me XXXX and partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
On XXXX XXXX, 2017, I filed a complaint against Nationstar Mortgage ( XXXX ). I still had questions and reached out to XXXX XXXX via e-mail on XXXX XXXX, 2017. I also left a message for XXXX XXXX XXXX to call me about my e-mail on XXXX XXXX, 2017 Below is the content of the e-mail I sent. On XXXX XXXX, 2017 at XXXX To : XXXXXXXXXXXX Cc : XXXX XXXX Nationstar Reference Number - XXXX Hello - XXXX XXXX . Ive received the response pertaining to my complaint to CFPB. I called your number because I still have questions, but your phone kept ringing with no voice message option. I have a few questions. I see you are listing the shortage as {$770.00} with an extra monthly payment ( if I chose to go that route ) of {$64.00} more on my mortgage payment. Which would make my payment {$1500.00}, starting in XX/XX/XXXX. When did the shortage start and how much was it? What was factored in to get to the shortage amount? Is the two months of reserves factored into the shortage Why is my payment for XX/XX/XXXX {$1600.00}? My XXXX is due in XX/XX/XXXX. Is Nationstar paying that? Im requesting to be able to pay my city taxes and XXXX. How does that work with the shortage?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am writing about a dispute between Citi Bank and XXXX XXXX. My credit card is issued by Citi ... and is called the Chairman card but is pursuant to a license from XXXX XXXX. When I make charges, it functions as an XXXX XXXX card. My bills, which are automatically paid in full every month, come from CITI. Here is the issue : Due to some kind of dispute between Citi and XXXX XXXX, they have refused to issue new cards with the chip. The customer service rep at Citi told me recently that they have a contract issue that is still ( after two years ) not resolved, so they can not issue a new card with a chip. In answer to my question about when a decision would be made, the Citi customer service rep said he would file a complaint on my behalf and that there were others who had requested he to the same on their behalf. What can be done to get at Citi Chairman card with a chip? I can not get an answer from either company.

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 2017-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My bus. acct is being closed by Bank of America, in XXXX, CT. within a month their reason they do not want ATM bus. I opened the acct in XXXX they were so happy to have me. Bus and personal accts after XXXX XXXX closed my acct for the same reason in XXXX, CT. I was with them for 10 years. I am XXXX years old I XXXX and XXXX XXXX XXXX XXXX one in XXXX XXXX, CT a manufacturing co in their cafeteria for employees and one at a resort in XXXX, MA. I owned that one since XXXX. The bank knows I use my own money to XXXX XXXX XXXX XXXX with an IRA. I retired after 21 years at XXXX, in XXXX XXXX, CT. I took a buy out, age XXXX in XXXX. I own my home in XXXX since XXXX. Still owe a mortgage ofXXXX. When a person takes money out of the ATM the money comes back to my bus. acct the next morning from a data processing company by an ACH that I filled out when I opened the acct. These accts are not very busy by the way but the income helps to pay my mtg. I am paid once a month by XXXX XXXX for the fees I charge at each machine. That incomes comes to me by an ACH also around the tenth of the month. The people at the branch are very nice and I only go in the most twice a week for the cash, {$2000.00} or {$4000.00}, etc. I am so shaken knowing that banks are refusing to allow our business and we need a bank. I am devastated. Can you help me please?

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 2017-08-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
It has become overly apparent, how poorly TransUnion is conducting any type of investigation at this point. I filed a fraud alert on my account in conjunction with the inquiries on my account. TransUnion still has failed to validate these inquiries under section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA. You will not accept  XXXX  finds but yet have FAILED to provide adequate findings of your own. I have contacted the agencies who have accessed my report and they have no history of me, and as previously stated, I hold NO debt, mortgage nor account with the said agencies, THAT I PROVIDED YOU. You have NEGLECTED to contact these agencies for validation and yet continue to report false information on my report. Its evident it was lost in translation, because I did NOT receive per FCRA Section 611 any validation that I have requested on SEVERAL occasions. If you have followed protocol, and verified them, why has validation failed to be provided? FCRA 15 U.S.C 1681i states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me a copy of verifiable proof, than you must delete the inquiries from my credit report. I will continue filing disputes until you adequately conduct an investigation.

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 2017-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My bank in XXXX sent me a large wire on XX/XX/XXXX, which usually takes 2 business days to be received by my credit union here in XXXX. The transfer apparently went through Chase 's centralbank in XXXX XXXX. We did n't know this until a week after the money was sent and I still had n't received it. We had to run 2 traces on the money until we finally received some responses. Chase in XXXX  was holding the money. Why, we were n't told. We had to run an investigation from my bank to find out Chase was holding the money, because supposedly it was sent with the wrong code and was n't convertible. Mind you, I have received wires from my parents before and there were never any issues. After having received no communication at all from Chase, the money supposedly got sent back this week on XX/XX/XXXX. The bank in XXXX still has n't received the money back, nor any kind of notification or communication from Chase. Currently the money is missing and the XXXX sender bank started another trace. This is a huge inconvenience and is costing me and my parents a large amount of money in interest ( the money was supposed to pay off my house ) and I may lose my house over this. Not even mentioning the aggravation and worry over where such a large sum could have gone. This whole process has been a mess and there has been little to no communication from Chase

Company response to consumer: Closed with explanation