vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 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: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX XXXX XXXX partial account number ****XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I contacted to creditor to resolve the debit and was told they can not accept a payment or voluntary payment because the creditor issued me a 1099. the issue that I'm having is they refuse to update the reporting balance to reflect XXXX on my credit report, which is hindering my ability to finance my new home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
I have not received any documentation validating the debt that they are trying to collect, also no inventory report from store showing phones were no returned to XXXX in XXXX off of XXXX XXXX! All property was returned yo XXXX. I have not been provided with a contract or any instrument bearing my signature validating that this debt is 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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX, I have been trying very hard to build my credit back due to a divorce ... 
As of XX/XX/19 my credit score was XXXX ... I looked today XX/XX/19 and Experian had knocked me down 3 points ... I tried to call Experian and ask them why they did this but I couldn't get an answer from them ... this is very frustrating to work so hard on your credit and have this to happen ... it really discourages a person ...

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 2019-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
XX/XX/2019 : THIS IS A NEW COMPLAINT WITH NEW INFORMATION : Kia Motors Finance has chosen to pursue the alleged debt via illegal and repeated telephone calls which started on XX/XX/2019. I spoke with KMF via telephone on XX/XX/2019 where I was informed by a representative that KMF denies sending the debt cancellation confirmation letter and that XXXX sent the letter to me when they did not. I do not owe KMF any debt per their own admission. Please forward my complaint to the FTC as KMF is intent on using disingenuous and illegal methods to obtain a debt from me that they said was paid in full. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Account No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX XXXX / XXXX XXXX XXXX XXXX said i owed this amount and it was paid in full and this was not my account as i never lived at XXXX XXXX XXXX. They sold it to transworld system inc and it is still on my credit report this account shoukd not be on my credit report as it is paid in full and not my account please delete immediately as this is not my account thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: MO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I have not received any documentation validating the debt that they are trying to. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-04-23 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: MO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: SD

Complaint narrative:
My student loans began at just under XXXX. That was the last I attended in XXXX. They jumped to XXXX in XXXX with a consolidation that I did not ever apply for ... the consolidation amount {$65000.00} to {$140000.00} with AES/XXXX, They also left out a loan I have been paying on for years through XXXX ... They are in the last name which is not my name. I do not have an ID or any way to prove that it is not me. I have sent my soc cars as well as my South Dakota drivers license to them. They will not speak to me about this debt and they provided me a fraud packet via mail. I have not had a response back and I can not speak with anyone regarding this issue due to my name vs, name on the account. So it is bounced back and forth between PHEAA and AES/XXXX. My credit is greatly affected. the most recent letter I received is from PHEAA and the amount is now at {$190000.00}!!! I am paying on an unsubsidized and have been for years that began at XXXX. The other, currently with PHEAA began at around subsidized was originally XXXX. They send mail to me in my name and when I call them or try to make payments they refuse to talk to me unless I can produce the name my account number, social security number and birthday are associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: NY

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX have been paid in full and are ruining my credit i have been working hard so many years to fix my credit and theybare holding me back from my future. Please remove these 2 accounts immediately as they are paid in full and should be removed from my account immediately. We have been at was with these 2 companies for over a year and they are not updating there information please delete these 2 accounts immediately.

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 2019-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
On XX/XX/2019 I spoke with XXXX XXXX at TD Bank ( XXXX ) XXXX to obtain international wire transfer information. He was confused and didn't remember how to spell his name. Hours later, after properly identifying myself, Mr. XXXX thought that he should refer me, by way of email, to folks at the bank that can not be contacted. I then spoke with the branch manager in XXXX NH ; Mr. XXXX XXXX ( XXXX ) XXXX. Mr. XXXX provided the information for the wire transfer. The wire transfer was initiated on XX/XX/2019. The wire was rejected by TD Bank on XX/XX/2019. The bank claims that the information that they provided was incorrect. The sender refuses to resend the funds because TD bank has not provided a refund. TD Bank claims that they are not in possession of the funds. I have not received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: F&M Capital LLC
State: CA

Complaint narrative:
A person called my x-father-in-law 's home several times looking for me. They left a message on his home phone stating that it was very important that they speak with me and would he give me the message. They said they were calling from " XXXX XXXXXXXX XXXX '' and to call them back at XXXX. They also left a number, an account number maybe, of XXXX. The person who left the message was very bad English and it was difficult to get this information. Please note that I have never given my x-father-in-laws name or number to anyone as a reference so they had to look me up online to see people associated with me in my lifetime. I called on the weekend with no-answer. I just called again and the person who answered the phone didn't even give the name of the company, I had to ask him for it. The way that he answered the phone and conducted himself was very suspicious ; not like a legitimate company. 
He said it was XXXX XXXXXXXX. Then I asked him who was XXXX XXXXXXXX and he said it's a compliance company. Then I asked what kind of company it was and he said it was a legal firm and that one of their legal representatives must have tried to contact me. He did have my date of birth on record and didn't ask for my social security number - I wouldn't have given it to them anyway. He then said he would get someone to speak with me and left me on hold for quite some time so since I'm at work, I hung up. I see online that many people have been contacted by an F & M Capital and they have used abusive language and/or tried to collect what appears to be fraudulent funds from individuals. I think may be linked to a previous complaint of mine to CFPB for XXXX who stopped calling me after you got involved. If this company says that they are attempting to collect on behalf of XXXX XXXX XXXX, who I placed with a debt settlement company several years ago, that is a lie because I've contact XXXX twice and they are not collecting anything from me, do not know who these other people are and do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I'm as the bank. To Stop On a money transfer On the next day I call Someone tell me She didn't see anywhere I Put Any stop payment And She tel me I have Go find money To cover For dad Bill The bank Still send t he money Where I don't want it to go N charge me {$30.00} For stopping payment I want my money back

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 monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
Back in XX/XX/XXXX my insurance company was changed by my employer. The hospital XXXX XXXX never contacted me regarding the outstanding balance not paid by insurance company. The original amount stated by hospital was XXXX dollars. XXXX is attempting to collect a debt of XXXX I spoke with XXXX at XXXX hospital regarding the account and was informed that the hospital protocol was not followed in attempting to contact myself regarding the outstanding balance not paid by insurance. I have been offered by XXXX hospital a  financial assistant program that would remove the collection from my credit report. But after speaking with XXXX, and XXXX at XXXX collections, they stated that they can not remove a collection from the credit bureaus. This is annoying and wrong! 

XXXX XXXX Last reported XX/XX/XXXX {$790.00} Reported balance Original balance {$750.00} You owe 106 % of the original balance OVERVIEW OpenedXX/XX/XXXX ( 5 yrs, 3 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor nameXXXX XXXX XXXX XXXX CONTACT INFO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MO 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 explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
ID:XXXX I was promised if I transfer money through PayPal it would be an instant transfer. Now, they are telling me it will take 72 hours. I am stuck in the middle of nowhere without gas or hotel money. They are playing with my livelihood and it is unfair. They need to be punished like I am getting punished. This is sad!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
When I opened this account I told them that I was wire transferring the money that I had from my XXXX  XXXX XXXX account thier account and they never informed me that they where going to put a hold on the funds so I completed the transaction and they have a hold on it know and it still has a hold still on it untill the XXXX they are telling me. The wire transfer happened on the XXXX. They got the money out then is thier any way you can help me with this? On top of that they have even placed a lock on my account and I can't view it online. They told me that it would take 24 to 48 hours for them to take the lock off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Reliant Capital Solutions, LLC
State: MS

Complaint narrative:
I went to XXXX College back in XXXX for XXXX XXXX XXXX. I had taken most of my classes, I ended up taking a small break for a couple of months. Once I returned to XXXX College to try to complete the one class that I have left before receiving my XXXX XXXX, they informed me that the major   no longer existed. They had done away with XXXX XXXX XXXX field because of other people had a hard time finding a job in that field, also to work in that field it did not require a person to have a degree in it. Therefore I never graduated, neither was I able to find a job in that field. Shortly after that the school closed down completely due to money issues. I later found out that I was in default and that I had been sent to a collection agency in which they told me that I owed them more than XXXX .... I started paying Reliant Capital Solutions immediately as of XXXX of XXXX. The department of Education informed me that I was ok to file my income tax for XXXX. They told me that my income tax would not be offset because I had already made 5 or more payments towards it. Once I filed my income tax they took the whole thing from me despite of what they said. As of now I have no income tax, no degree, and I still owe close to XXXX with the payments that I am making every month for a school that has been closed down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/XXXX : After MANY attempts to talk to a live person at Experian ( their XXXX number does NOT give an option to talk to a human ) I finally get XXXX in the " Titans ' group who takes my credit card number and promises to send me an expedited PIN number that will ship out on Monday, XX/XX/XXXX to arrive Tuesday, XX/XX/XXXX. 
It is now XX/XX/XXXX at XXXX and nothing has arrived, and nothing will. I checked my credit card and nothing was charged onXX/XX/XXXX-there should have been a {$20.00} charge for the expedited PIN shipment. 
Just now, on XX/XX/XXXX I have spent over 30 minutes trying numbers and searching the internet for a way to get in touch with an actual human at Experian, it is next to impossible. An automated line asks for your SS # and zip code then gives you limited options, NEVER does it offer a human. By a stroke of  luck I found another number : XXXX but had to press a " corporate '' button, and finally got a RUDE human who had to transfer me to the regular consumer number. This is absolutely ridiculous. XXXX, who I was finally connected with at Experian today, said that XXXX from the Titans group NEVER ordered my expedited PIN to be shipped to me. He promises that he has and it will go out tonight and I should have it by tomorrow morning. 
ALSO-the credit /freeze section of the website is a piece of XXXX and says that I am not allowed to retrieve my PIN, thus FORCING ME to pay {$20.00} for expedited shipping so I do not have to wait 10 days for the US Mail to bring it to me for XXXX cents. 

EXPERIAN IS THE WORST! THEY DO NOT CARE ABOUT 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 2019-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank is advertising a {$200.00} bonus for opening a checking account. On the website it says open account and coupon code automatically applied. The site also indicate that I should receive my bonus for opening an account within 10 days. I called Chase and asked where was the bonus and was told it if I didn't have a coupon code that it's too late to receive the bonus. I went inside a branch to talk to a representative and got the same result. I called customer service again and was told to create another account to receive the bonus. I knew that was incorrect so I asked to speak to a manager who was rude and condescending. The manager was not apologetic about me receiving the incorrect information. I think Chase is misleading consumers to sign up for an account and not give the bonus. I could have opened an account with XXXX XXXX, but I chose Chase because they used to have good customer service and wanted the bonus. I have documents to show the what information that the website is providing that proves I have been mislead. It clearly states the bonus coupon code will be automatically applied when opening an account online which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I recently had a very frustrating and extremely costly experience with Flagstar Bank. I feel that I am owed compensation totaling {$1800.00} from fraudulent activity on my ATM card. 
On XX/XX/2019, my ATM card was denied when I went to make a purchase so I went to my branch office to see what the problem was. They informed me that there were multiple ATM withdrawals over the last two days wiping out my life savings. They lady at the bank was surprised that Flagstar did not detect all these withdrawals and freeze the card account. I then filled out an affidavit confirming by oath that those eight charges were not mine. 
Instead of receiving a credit for this fraudulent activity, Flagstar bank denied my claim. According to federal law, the burden of proof is on the banking institution not the consumer. I feel they are in federal law violation by not returning my money that was taken from me fraudulently and that they are forcing the burden of proof on me. I have filed a police report with the XXXX XXXX Police Department on XX/XX/2019, case number XXXX. 
I am now demanding that they return in full my {$1800.00} that was fraudulently stolen from me and they should go after the bad people for their money not me.

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