vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-30 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: CA

Complaint narrative:
I disputed the following items on XXXX-18 and XXXX-18 and these items are not mine. Furthermore they change the reporting information of these two items. I have not had a problem with XXXX  and XXXX, but trans union has been very difficult. I believe they have my son, XXXX XXXX XXXX XXXX and I credit report crossed up. Regardless they need to rectify this situation and remove these items that are not mine. I just don't think it is fair to report items that are not mine on my credit report. I can not refinance my home with my wife with these false items on my report. 

XXXX XXXX XXXX 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 2019-01-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
did not receive proper interest for days accrued during grace period. was told by my premier manager XXXX XXXX what the amount of interest I should have received was but did not receive. according to citizens bank XXXX was no longer at the bank. they told me the account dropped to 0.05.On a cd account. should have received 1.54 percent. Was told by XXXX XXXX the amount was XXXX. 
instead received 1.52. Spoke to branch manager XXXX XXXX and was told someone would get back to me. that was one week ago and still no one called to resolve this. Very unprofessional bank. every manger I have delt with is always gone. I am told different answers by everone. Deceitful practices and no one has the courtesy to call back in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-30 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: TX

Complaint narrative:
INACCURATE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: NE

Complaint narrative:
My name is XXXX XXXX XXXX. 4 weeks ago I tried to access my credit report online. It gave me an error message that said " No report can be given based on the data provided ''. I took their advice and requested the report over the phone. Still no report. I gave the exact info to XXXX  and XXXX  and received a report.I want someone from TransUnion to call me and let me know what the problem is.

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 2019-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX, I XXXX XXXX , used a western union location in XXXX , NY to send a total of XXXX ( {$140.00} +XXXX transfer fees ). XXXX XXXX. 

We were advised that the funds were never picked up upon our XXXX time calling western unions customer service line, approx 1 week later. We spoke with an individual at XXXX. 

It was to our unfortunate surprise that we heard the sad news of our friends passing which whom we were trying the send money to. 

As of XX/XX/XXXX, we were told in order to get our funds back we'd have to provide western union with his government picture id. 

We do not have the means nor do we want to burden the family with something like this for a business refund transaction. 

As per western union 's customer service advisement we were writing the letter of explanation to meet their requirements of the refund policy. 

We were met with another set of higher standards to meet in regards to now supplying an official death certificate from the family as of XX/XX/XXXX. 

As of XX/XX/XXXX the funds were never " picked up '' and we're finding these standards for the refund quite outrageous at this time. 

Death certificates should not be a requirement for a business refund transaction of this low level. 

In the attachments we will provide the exact email dialogue that we have had with western union 's  various representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: WA

Complaint narrative:
On XX/XX/2019 I received notification that I applied for a XXXX Credit Card Application number XXXX. I did not authorize nor did I apply for a credit card at anytime with XXXX XXXX or XXXX XXXX XXXX. This fraudulent activity has impacted my credit score and produced a Hard inquiry on my credit report. I rarely shop at XXXX  and never authorized the company to share my personal information or initiate any credit granting on my behalf. This act is clear credit card fraud and identity theft. XXXX  erroneously and egregiously attempted to utilize my information.

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 2019-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Coradius International LLC
State: AZ

Complaint narrative:
I received what I believe was a scam call from XXXX at XXXX XXXX   on Wednesday, XX/XX/2019. I did not recognize the number. So, I did not take the call. The caller ID on my telephone identified the caller as " American Coradi ''. Later, I realized that there was a voicemail message from the caller on my phone. When I played the message back, I heard a woman 's voice asking me to call a certain phone number in regard to collecting a debt. She also gave a reference number to use when I called back. I have no intention of calling back because I have no debt to be collected. I deleted the message.These are obviously criminals who prey on people, and they should be prosecuted to the fullest extent of the law. Please do that! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: TX

Complaint narrative:
INACCURATE INFORMATION

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 2019-01-30 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: TX

Complaint narrative:
INACCURATE INFORMATION

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 2019-01-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
JJ Marshall 's Associates have threatened to seize property or collect from IRS, if I don't pay a debt I do not owe. XXXX  removed the account from my credit report. But JJ Marshall 's is relentless. I lived in a home for two months, was not on the lease. The property manager is letting JJ Marshall 's Associates handle this and it is not my debt. They can not find the actual tenant that owes the money, so because I lived there for a short while, they feel that I am the culprit. This has been going on since 2013.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Customer Claims Department, Fax XXXX On XX/XX/2018 two fraudulent transactions were processed on my debit card. 
In the Chase transaction report it shows as a XXXX CA gas station. 
{$390.00} XXXX and {$420.00} XXXX. I have never been to XXXX  CA, I never make large gas purchases and never make debit card purchases at middle of the night hours. Im not sure why it wasnt flagged as fraudulent and declined. 
We notified chase the same day XX/XX/18 while the transactions were still pending. After researching the claim our claim was denied stating the pin was entered and the card was somehow present. There is no possible way my card could have been there since it was in my wallet at home. I have never given my pin out to anyone. 
I have contacted the local XXXX police Please see attached proof that I was in XXXX and refund my account {$810.00} ASAP. 
Attachments : XXXX XXXX Records Work Time clock Customers/witness Tanning Report I have been a Chase Client for many many years and currently hold 6 Chase Bank/Savings accounts and 2 Credit Cards. I have never had any incidents in the past. Please make this situation right and restore my confidence in Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: FL

Complaint narrative:
I have been working on several things listed on my credit file that report as duplicates and are past the statue of limitations. XXXX  and Experian keep reporting several student loans twice under different companies. There are a total of 9 student loans reporting with XXXX XXXX that should have been removed because they were transferred to XXXX XXXX XXXX XXXX. Both companies report the same exact information and XXXX XXXX no longer have the accounts. The delinquency months are the same, same open dates everything is the same. They are the same exact accounts however looking at the report they appear to be an extra 9 negative files. When a mortgage company transfers the servicing they remove the initial company and report the account with the servicing company the same with any other company for that matter. If you sign up with someone and they don't hold the loans they don't have the information because the new company has all information.

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 2019-01-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IN RESPONSE TO CFPB COMPLAINT:XXXX To Whom It May Concern : This is in regards to the following accounts : XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX   XXXX  Account XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your  assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX  has reason to  determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ),  and XXXX v. XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 


XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 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: CA

Complaint narrative:
Welcome bonus discarding. 

In XX/XX/XXXX I applied for American Express Cash Magnet Card, I was approved and spent described amount of money for welcome bonus. 
I did not receive welcome bonus. 
After multiple attempt to determinate cause of issue, I had phone conversation with customer support XX/XX/XXXX 25min, XX/XX/XXXX 42min, XX/XX/XXXX 35 min, finally only at XX/XX/XXXX I received clear answer that i am not eligible for that offer because I have another card with American Express. 

In agreement " OFFER TERMS Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. '' Complains : 1.Not described clearly that this offer valid only for new customers. 
2.It takes 3 months for customer support to give me answer why offer was declined.

3.I didn't receive any notification that my application was approved without bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A banking error/fee problem exists with legally established guardianship account, I am the legally appointed guardian on said account. Unknown to me, on or about XX/XX/XXXX, the banking institution decided to place a block on the account, preventing account transactions. The banking institution is already aware that the individual listed on the account ( XXXX XXXX XXXX ) has passed on XX/XX/XXXX. On or about, XX/XX/XXXX, a monthly pension payment was deposited in the aforementioned account. The union has attempted to recoup this payment made by mistake to this account, however, has been unsuccessful due to the block placed on the account. On or about, XX/XX/XXXX, the banking institution has started charging a $ XXXX   monthly fee based on minimum balance requirements not being met. Be advised, that since the primary account holder has been deceased that this amount needs to be refunded. Further, service charges should not post to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a HELOC with Third Federal Savings & Loan. My required flood insurance with XXXX renews every XX/XX/XXXX. Third Federal issues me a Notice of Flood Insurance Requirement on XX/XX/XXXX stating my flood policy has lapsed. They state I have 45 days from the date of the letter to rectify or be charged by them for a policy. They immediately charge me {$67.00} on XX/XX/XXXX. I provided my policy showing no lapse in coverage ( old policy XX/XX/XXXX-XX/XX/XXXX new policy XX/XX/XXXX-XX/XX/XXXX ) via their online portal. I also have XXXX sent copies of the policy. I call their XXXX number to verify but they still insist my coverage lapsed from XX/XX/XXXX-XX/XX/XXXX. I resend the policys, I have XXXX resend the policies, no luck. I go into a local branch in XXXX FL and show the representative the policies. She forwards the copies to their main office and then calls them. They STILL think I should be charged the {$67.00} even with all the documentation. They also see nothing wrong with breaking the law ( or even following their own verbiage in their letter ) and not waiting 45 days after XX/XX/XXXX before charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: SC

Complaint narrative:
Ive repeatedly told pro collect that this debt was not mine and that it was fraud. I sent over the needed documents to prove my case but they ( pro collect worker ) told me to just pay the outstanding XXXX $ balance anyway to clear it off my credit report. I refuse to pay something I know I do not owe. The landlord remade the contract stating I worked for an XXXX  company and that I did not get out of my lease by using my orders from the military which is false. They also signed my name and put my children information on the false document. 
The debt is from XXXX XXXX The date is XX/XX/2016 They refuse to remove from credit report and tried to force me to pay it even with the evidence showing the bill is in fact fraud. I also filed a police report with XXXX XXXX Pd who did the handwriting analysis who determined that the documents presented with my signature is in fact fraud.

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 2019-01-30 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: FL

Complaint narrative:
I have been working on several things listed on my credit file that report as duplicates and are past the statue of limitations. TransUnion and XXXX   keep reporting several student loans twice under different companies. There are a total of 9 student loans reporting with XXXX/XXXX XXXX that should have been removed because they were transferred to XXXX XXXX XXXX XXXX. Both companies report the same exact information and XXXX/XXXX XXXX no longer have the accounts. The delinquency months are the same, same open dates everything is the same. They are the same exact accounts however looking at the report they appear to be an extra 9 negative files. When a mortgage company transfers the servicing they remove the initial company and report the account with the servicing company the same with any other company for that matter. If you sign up with someone and they don't hold the loans they don't have the information because the new company has all information.

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 2019-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I was reviewing my credit report and found a report from ICSystem for the amount for {$400.00} that was placed on my credit in XX/XX/2018. There has never been any communication from this company ever sent to my home. I have not been allowed to dispute this debt as I did not know that it existed. As I have looked at sending communications to the company the only address that is available is a POBox in XXXX XXXX, MN. This attachment to my credit is incorrect as the proper lines of communication have not been established. I want this removed from my credit 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 2019-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX College is known as a scammer school that shut its doors on its students and left everyone in debt. 

I transferred out of XXXX College a year before it closed down due to the fact that I didnt believe they had given me the education they promised, they didnt train me properly, and they promised I would be finished in 2 years, which I absolutely wasnt. Nor was any of my peers. 

A year later they were shut down and I am stuck paying back {$100000.00} in student loan debt with no degree or certificate to show for it. I am struggling to make ends meet while still trying to get an education at a better school. 

I believe it is completely unfair that I was promised a good education by a scam school that eventually closed down and forgave the student loans of the students currently at the school. I was smart enough to leave to not accrue MORE debt, however, I am still paying back the loans caused by this school. 

I would like forgiveness of my loans from XXXX College or a giant percentage taken off at a better rate so I can pay back at least some and get this horrible school off my of record and off of my mind.

Company response to consumer: Closed with explanation