vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I tried to remit money to my account in XXXX which I have always done with Western Union. I selected the transaction and they sent me information where I have to deposit the money to which was their account with XXXX XXXX XXXX. I went to XXXX  XXXX XXXX and presented the information they sent to me and gave them my bank card which they used to do the cash advance from my account and deposited the cash to Western Union account with XXXX XXXX XXXX. I called Western Union to report that the transaction have been completed so they could complete it on their own end but they told me its suppose to be wire transfer which I have never ever made before. Then they said they will refund me my money, it been three weeks yet I have not received my refund and one of their agent cancelled my transaction without my consent or even refund. All of a sudden, they again turn around to say they never received my money after one of them confirmed receiving the money. I went back to the XXXX XXXX XXXX couple of times and one of the banker who was a witness spoke to Western Union agent on the phone and told them to send my money back if they will not do the transaction, yet till this day I have not seen my money. Spoke to XXXX XXXX XXXX Manager who was aware of the situation, he asked me if I think is a fraud and I told him if its a fraudulent account he will have to know but he never responded and told me to continue to wait for them to send my money back to me. Please see the attached evidence that the payment was made cash to the account they sent me. 
I have showed them evidences severally, yet they are holding unto my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I called Equifax to see why they are not reporting my authorized user tradeline for my XXXX card ( Account # XXXX ). They did not update my information as requested. It is showing on XXXX and XXXX but it is not reporting on my Equifax credit report and I want it reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I work for a XXXX for XXXX XXXX. The XXXX for the XXXX and the XXXX XXXX. XXXX XXXX. I do not get overtime or benefits I barley get XXXX hours of work for two weeks. I barley make enough to pay anything. I am looking for a second job but I have triplets that are 3 and can not afford daycare. The issue is they called my work and spoke to one of our employees. SAID IT WAS FOR DEBT COLLECTION. I didn't get a message on my phone nor did I get text. or Email. This is harassment. I will lose my job and this is not anyone 's business but mine.

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 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
this is outragous that american express will not notify or send any correspondence regarding a {$2.00} payment that still showed as open even after i had paid the account in full. 
they have never contacted me and reported the account delinquent 30 days even though it was closed. 
i have paid the remaining balance of {$2.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XX/XX/2018 I sent a l sent a debt validation letter to XXXX XXXX XXXX   requesting that they validate the alleged debt. I received an itemized billing statement which didn't verify the debt. I have included both the document that I sent and the document that was sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have not been getting my statement and when I asked for one to be re mail to me. I saw charges at a kohl 's in TX and XXXX XXXX XXXX. I call and wrote in because they would not remove the charges. When I was going to pay the statement I asked for those charges to be to be deducted off the amount owed and the amount needed to be paid on that statement. The man who I spoke with refuse to do that and tried to make promised so the amount can be paid along with late fees. The amount was fraud and THEY PUT IT ON MY CREDIT REPORT CAUSING HARD SHIP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA Reported a Account to the credit bureau stating an account was opened up on XX/XX/XXXX. This is a secured card I never opened with a balance of {$4900.00} I didnt open this card. The first time I called regarding this matter I was told the account would be removed. It never was. Then I contacted them more than 5 times. Most recently in XX/XX/XXXX. I provided all detail I could pricing I never opened the account. The account cant even be opened unless a person is a military spouse or military member. I am neither. I wasnt even living in the state where the card was mailed. Its fraudulent and USAA. Refused to help and constantly lies. They have never requested documents from me. I filed a police report and a complaint with FTC regarding fraud. When I call USAA you cant speak directly with the fraud department I have to always speak to a Customer Service Specialist and I have to repeat the same complaint over and over. They wont remove it from my credit report or dispute the transactions that were made by whoever opened the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FMA Alliance, Ltd.
State: OK

Complaint narrative:
Since XX/XX/XXXX, my wife and I have received 33 telephone calls / hangups from FMA Alliance. I finally spoke to them on XX/XX/XXXX, after researching the telephone number. The person did not identify themselves, but I confirmed that I was not the person they were seeking. I requested they stop contacting my home telephone number. 

Since XX/XX/XXXX, my wife and I have continued to be harassed by FMA Alliance. We have received 14 calls. I answered the call on XX/XX/XXXX, and once again requested that they stop harassing us since I was not the person they were seeking. This person also did not provide identification. 

Since XX/XX/XXXX, we have received 4 calls from FMA Alliance. However, these 4 calls have been from ( XXXX ) XXXX instead of ( XXXX ) XXXX, which has been used for the other 29 calls. 

Please help us make this STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: OH

Complaint narrative:
I had a previous complaint # XXXX and the response given was just a runaround that I have been hearing for months. I want a way to contact XXXX XXXX XXXX without going through AES.  There is no way to contact them directly, I would like their phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 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: AES/PHEAA
State: GA

Complaint narrative:
In XX/XX/2017 thru XX/XX/2017 XXXX reported on my credit report delinquencies. I was XXXX  due to a flooding at my place. I informed XXXX prior what took place and they informed me I would be put on an deferment. Instead they reported me as delinquent. I called XXXX to report the inaccurate information on my report. The company ignored my request and referred me to another company XXXX. Misleading me in the wrong direction. Constantly transferring me to different members only to say go online and dispute the matter. I went online and the document isnt on their website. I called them back and reported my findings and they informed it was there. I went through every step necessary only to start back at the beginning. This has affected me majorly where I cant help my XXXX mother nor myself. The company has reported inaccurate results on my report and its not fair nor right to do consumers that way. I need help correcting the matter. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: BYL Collection Services
State: NY

Complaint narrative:
I received a ding in my credit karma app saying I had a negative remark on my credit report. I had no idea what it was referring to and contacted the company to find out that I had an unpaid collection in the amount of {$53.00} that I was never billed for. It was a fee resulting from what my medical insurance didn't cover for a medical item. I was NEVER billed for amount and contacted the collection company to request that they remove this remark from my credit report as I was never sent a bill for this item. 

I spoke to XXXX in the consumer payment department and was told that they are " unauthorized to report credit charge offs ''. I requested to speak to a manager and was rudely and abruptly put on hold. She then returned and told me that the manager XXXX was unavailable as she just came into the office and would return my call later that day. She never returned my call. Shocking! 


Having this item marked as Paid in Full after paying it is inaccurate as I was never billed for this item. I want to pay the bill and have it REMOVED from my credit report. This business is conducting FRAUDULENT BUSINESS PRACTICES by refusing to bill their customers and instead just leaving negative marks on their credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. This company is not licensed in the state of Florida to collect a debt. I've tried to contact this company via certified mail and have received no response. I would like this company to remove collections reports from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2018, I sent the attached letter to NCC Business Services Inc. disputing the validity of the debt they say I owe. As of this date they have not responded to my letter or sent me proof of this debt yet they have continued to call me and leave me voice mails advising they are attempting to collect a debt. They need to stop calling me they have not responded to my previous letter or provided any supporting documentation regarding this debt they say I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been trying to get my free report and scores but no Luck!

with XXXX   Bureaus but after I put my personal information I get a window message that says no record on the data you entered.

instead I get soliciting products or services to purchase from them.

only Experian sent me a report but without scores. was requested on XX/XX/2018 with wrong & outdated information that passed 8 years.

while XXXX can NOT be accessed at all

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 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX Reported a Account to the credit bureau stating an account was opened up on XX/XX/XXXX. This is a secured card I never opened with a balance of {$4900.00} I didnt open this card. The first time I called regarding this matter I was told the account would be removed. It never was. Then I contacted them more than 5 times. Most recently in XX/XX/XXXX. I provided all detail I could pricing I never opened the account. The account cant even be opened unless a person is a military spouse or military member. I am neither. I wasnt even living in the state where the card was mailed. Its fraudulent and XXXX. Refused to help and constantly lies. They have never requested documents from me. I filed a police report and a complaint with FTC regarding fraud. When I call XXXX you cant speak directly with the fraud department I have to always speak to a Customer Service Specialist and I have to repeat the same complaint over and over. They wont remove it from my credit report or dispute the transactions that were made by whoever opened 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 2018-06-05 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A recently run credit check ( XX/XX/18 ) revealed that there was an open credit card through XXXX XXXX/XXXX XXXX XXXXXXXX. I've contacted by XXXX XXXX XXXXr, as well as syncrony bank  today ( XX/XX/18 ), and neither have any records indicating that there is an open account under my name/SS #. They both suggested that I report this to the credit bureau. 
Please assist and advise. 
Thanks

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 2018-06-05 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: TX

Complaint narrative:
On XX/XX/18 my XXXX card was reported as lost. XXXX closed the card ( card number was the account number ), my credit score dropped 102 points behind this. Although XXXX  has sent in an early credit history to Equifax, my credit score only went back up by 20 points. I was in the process of buying a home and this affects me tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: COMMUNITY CHOICE FINANCIAL, INC.
State: WI

Complaint narrative:
I obtained a loan for {$2000.00} from the business " Cash Central '' in XX/XX/XXXX. The loan defaulted and I owed a balance of {$2200.00}. It was sold to a third party in XX/XX/XXXX and the balance was paid to them in XX/XX/XXXX.  Cash Central has confirmed in their system that my account shows a balance owed to them of {$0.00} ; however, they continue to report to XXXX  that I have a past due balance of {$2200.00}, significantly impacting my credit. 

I'm currently obtaining a mortgage and was just on a 3 way phone conference with my lender and Cash Central. The mortgage is going to be fine because Cash Central confirmed a {$0.00} balance ; however, the fact remains that they are incorrectly reporting my balance to XXXX. 

The loan officer said he was confused because no company is allowed to continue reporting a past due balance once they sold the account and are no longer owed by the consumer. 

They confirmed that they will forever report a past due balance of {$2200.00} to the credit bureau despite the debt having been paid. 

The phone conversation was recorded and they are sending me a letter confirming this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I alerted Coinbase that a portion of my money was missing ( ~ {$4000.00} - I believe but hard to tell without access to balances ). They froze my account for months with no resolution. After 3 months they said they accidentally wired me too much money once and thats why the account was frozen. I asked for supporting balances and transactions to substantiate their claim. No response. Then one day a month later my account was unfrozen but money still missing. I withdrew remaining funds and decided to just accept that some of it was missing. A few weeks later I bought new coins and my account was restricted immediately after the purchase. Essentially I could buy but not sell or withdraw. I cant get my money out. Ive called support many times and emailed them and have been told thats telephone support cant help me but they will escalate. Its been escalated for 6 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A recently run credit check ( XX/XX/XXXX ) revealed that there was an open credit card through XXXX XXXX XXXX XXXXXXXX. I've contacted by XXXX XXXX  XXXX, as well as XXXX XXXX  today ( XX/XX/XXXX ), and neither have any records indicating that there is an open account under my name/SS #. They both suggested that I report this to the credit bureau. 
Please assist and advise. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: GA

Complaint narrative:
In XX/XX/2017 thru XX/XX/2017 XXXX reported on my credit report delinquencies. I was XXXX  due to a flooding at my place. I informed XXXX prior what took place and they informed me I would be put on an deferment. Instead they reported me as delinquent. I called XXXX to report the inaccurate information on my report. The company ignored my request and referred me to another company XXXX. Misleading me in the wrong direction. Constantly transferring me to different members only to say go online and dispute the matter. I went online and the document isnt on their website. I called them back and reported my findings and they informed it was there. I went through every step necessary only to start back at the beginning. This has affected me majorly where I cant help my XXXX mother nor myself. The company has reported inaccurate results on my report and its not fair nor right to do consumers that way. I need help correcting the matter. I dont know what else to do.

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 2018-06-05 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: GA

Complaint narrative:
In XX/XX/2017 thru XX/XX/2017 XXXX reported on my credit report delinquencies. I was XXXX  due to a flooding at my place. I informed XXXX prior what took place and they informed me I would be put on an deferment. Instead they reported me as delinquent. I called XXXX to report the inaccurate information on my report. The company ignored my request and referred me to another company XXXX. Misleading me in the wrong direction. Constantly transferring me to different members only to say go online and dispute the matter. I went online and the document isnt on their website. I called them back and reported my findings and they informed it was there. I went through every step necessary only to start back at the beginning. This has affected me majorly where I cant help my XXXX mother nor myself. The company has reported inaccurate results on my report and its not fair nor right to do consumers that way. I need help correcting the matter. I dont know what else to do.

Company response to consumer: Closed with explanation