vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: OH

Complaint narrative:
On XXXX of XX/XX/2018, I tried to transfer XXXX USD and XXXX USD to my brother, who lives in XXXX, to pay the medical bills of my mother. It was an urgent situation so I chose to send the money with XXXX XXXX ( www.transferwise.com ) Unfortunately, as soon as they received the money from my checking account, they deactivated my account. I have been trying to reach them and learn why they deactivated my account, why they did not transfer the money to my brother, why they have been holding my money instead of refunding it back to my checking account. To date, I have not got an answer. I have repeatedly called the customer service about the situation but all they have said to me is " we don't know ''. They don't give me a meaningful answer and they hang up the phone to my face. 

Currently, I don't have enough money to pay the medical bills of my mother. I need that money as soon as possible. They are refusing to answer me. They are refusing to refund my money. 

It is their job to transfer my money. If they are unable to transfer it, they should tell me the REASON and REFUND my money as soon as possible. 

I trusted them but they have been holding my money and not giving an answer and reason why they don't refund it back to my checking account. 

I need that money to pay the medical bill of my mother. I am a poor guy. I withdrew a loan from my 401K retirement account to pay the medical bill of my mother. 

What I have been through during the last week is unbelievable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: KS

Complaint narrative:
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$700.00} from XXXX XXXX on XX/XX/2018. I have since repaid {$830.00}. My balance remaining is still somewhere around {$700.00} according to a XXXX XXXX employee that I spoke with on XX/XX/2018. On the website, when I try to load my loan agreement, it said " PDF failed to load '' so I am unable to view the terms of my loan. I was unaware that the loan would have such a high return ( paying over {$1500.00} for a {$700.00} loan. ) I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I recently ran my credit report to discover why I was denied a loan and discovered there was an erroneously report debt by IC Systems regarding a charged off Debt with XXXX XXXX XXXX. I contacted IC Systems of XXXX XXXX, MN and was told by their rep XXXX, that XXXX XXXX XXXX initially reported the debt as paid, but was then told by XXXX XXXX XXXX that my bank reversed the payment to XXXX XXXX XXXX somewhere around XX/XX/XXXX. I pulled my bank Statement to investigate and found the information given to me by IC systems rep XXXX was incorrect as my bank statement reflects the payment was debited from my checking account. In addition, the amount IC systems reported on my credit report is inaccurate. In addition, I contacted XXXX XXXX XXXX regarding this false debt reported and found that I didn't owe them anything and that any outstanding amounts were paid ( XXXX XXXX XXXX is sending confirmation via mail as well ). As a matter of fact, I changed my cable service and internet to XXXX XXXX XXXX in XXXX, and the XXXX XXXX XXXX rep confirmed that if I had any outstanding collection amounts owed to XXXX XXXX XXXX at that time, I would have been required to pay them up front before any new services was acquired. I contacted IC Systems again to inform them, and I sent documentation to prove this, and they could easily verify this information with XXXX XXXX XXXX, of which I believe that have not. I want this entry removed from my credit report and an apology sent to myself as well.

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 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
I was attending a XXXX  school called XXXX XXXX College that promised us that we would be able to take college classes for free at XXXX XXXX University and they would take care of the expenses. I took classes from XXXX to XXXX but I'm being charged for the last class I took in the spring of XXXX while i was a minor but not charged for any other class. Now the school is shut down and everyone associated with the school has been transferred or fired and i cant contact anyone to help resolve this. The debt doesn't even show up on my credit report and I couldn't dispute the debt sooner because every attempt to contact me was sent to an address i hadn't lived at in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
XX/XX/2018 Phoenix Financial Services inserted a medical account representing XXXX XXXX XXXX onto my credit file. This alleged account in the amount of XXXX is a result of identity theft and does not belong to me. Not only did Phoenix Financial insert this account they did not give me my right to dispute the validity of this account nor did they give me notice that they were inserting this account into my credit file. this account is damaging my credit file and it is not my account. Also this states it is medical I have did not business with XXXX XXXX emergency nor have I did business with Phoenix Financial, therefore, I have no obligations to pay either. Also being that this look as though it is a medical account I have never given either company rights to share any medical information, therefore, they would also be in violation of HIPPA. This account is indeed a result of identity theft and does not belong 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 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX included my expunged criminal record in a background check. Initially, the representative tried to blame the county for providing the information, but after speaking with a supervisor they admitted that they had gotten the information from their own database that was never updated. In addition, the name of the charge was incorrect and so was the level of the offense. After working for 8 years towards an expungement it was incredibly traumatizing and embarrassing to have this dredged up again. While I have been assured they will review my dispute and report the correction to my possible employer, this may take up to a month. The employer in question may need to hire someone else in this time, and even if I am hired it is extremely embarrassing to have this issue. This has been a huge financial and emotional burden. Finally, I this company has asked that I fax them all the needed documents putting the burden of proof on me. I find this unacceptable as XXXX XXXX   XXXX XXXX XXXX is the one providing false and out of date information.This company is currently reviewing my dispute, but in my opinion, irreversible damage has already been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
Debt collector keep calling asking me to verify home address and last four digits of social security number. Debt is over 15 years old and not even on my credit report. Have told them numerous times to not contact me any further!

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 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Debt collector keep calling asking me to verify home address and last four digits of social security number. Debt is over 15 years old and not even on my credit report. Have told them numerous times to not contact me any further!

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 2018-08-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
i received a statement by mail for {$4100.00} amount owe and on the statement there are no itemized charges at all, i have called many many times asking to give me a statement of charges and they are refusing

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 2018-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST CITIZENS BANCSHARES, INC.
State: MI

Complaint narrative:
For years ( mid XXXX 's thru XXXX ) I have banked with XXXX XXXX in MI. It was not the best bank. The services were poor locations closed every year, they had very bad consumer tactics in trying to grow new business and finally they were shut down in XXXX by the FDIC. I know you may wondering why I stuck with this back thru their demise, but I am XXXX and have no transportation. Anyhow, after a year of sticking around thru the closing and transition to a new banking institution ( from XXXX XXXX to First Citizens Bank ) I find myself experiencing terrible service, no walk in banking location, and not enough ATM choices to access my money. Last night on XX/XX/XXXX I spent 45 minutes each on the phone numbers provided to me, trying to reach a csr using XXXX and XXXX. No one ever answered the line. I finally called a banking center at this number XXXX and reached a Csr. After explaining my frustrations the Csr helped me gain access to online banking and reset my pin for my ATM /DEBIT card after 30 minutes or more I was able to view my balance, but there were no records of banking statements available. As I move to the next day XX/XX/XXXX, I went to an ATM and I still have no access to my funds in my account. The ATM machine says my pin is till incorrect. I called a csr at XXXX AGAIN. I went on to explained what was going on again the csr reset my pin and ask me to use the closet ATM that was near me. As I used the ATM with the CSR on the phone with me the ATM CAPTURED my ATM card. I am FURIOUS. This is absolutely OUTRAGEOUS. The Csr then suggested that I call back the number on the back of the card that I no longer have, because the ATM TOOK THE CARD. At this time I asked for his manager immediately. I have not been able to access my account, get my money, shop, pay a bill since XX/XX/XXXX. The manager has stated that she will expedite a new ATM card to me. But after all this awful service my plan is to withdraw my money and close my account as soon as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: MS

Complaint narrative:
I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and Trans Union regards inquires that are reporting to my credit report that occurred before I became XXXX years old. I turned XXXX on XX/XX/XXXX. XXXX  stated that I was born in XXXX, therefore I submitted DL, birth certificate to validate my dispute. Upon receipts on documents they stated that they could remove the inquires I did understand because I was told by a agent that they will be removed. Ive reached to companies listed below, there unable to locate An application with my name on it. They stated they would forward documents over to credit agency and I. I have not receive documents nor have inquires been removed.

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 2018-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX  inserted a medical account representing XXXX XXXX XXXX onto my credit file. This alleged account in the amount of XXXX is a result of identity theft and does not belong to me. Not only did XXXX XXXX insert this account they did not give me my right to dispute the validity of this account nor did they give me notice that they were inserting this account into my credit file. this account is damaging my credit file and it is not my account. Also this states it is medical I have did not business with XXXX XXXX emergency nor have I did business with XXXX XXXX, therefore, I have no obligations to pay either. Also being that this look as though it is a medical account I have never given either company rights to share any medical information, therefore, they would also be in violation of HIPPA. This account is indeed a result of identity theft and does not belong to 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
Consumer complaint received 2018-08-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I originated a home mortgage loan with XXXX XXXX XXXX in XX/XX/XXXX. The mortgage was transferred to Capital One when they took over XXXX XXXX XXXX. At that time I authorized an ACH payment to Capital One for the mortgage payment. On XX/XX/XXXX the mortgage was assigned to XXXX XXXX XXXX XXXX XXXX . I paid the mortgage off in full with a bank transfer of funds at XXXX XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX. I proceeded to Capitol One to close my checking account because XXXX XXXX XXXX XXXX. said they were going to take a payment from my Capitol One checking account. I did not authorize XXXX XXXX XXXX XXXX. to take a payment and have not given them any banking account information. Capitol One refused to close the account and said they were going to charge a non sufficient fund charge should XXXX XXXX XXXX XXXX. attempt to take a payment out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I called the company on XX/XX/XXXX requesting them to remove the late payments from my account. I am up to date with my payments, and I am needing the late payments off of my account to help out with the home loan I am trying to obtain. Ally financial told me they would not do this for me, when they actually are able to do this.

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 2018-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Academy Mortgage Corporation
State: CA

Complaint narrative:
I closed escrow back in XX/XX/2016. My lender knew that I planned on selling the condo after a few years. She ordered my private mortgage insurance ( PMI ) for me which i opted to pay a one time fee of a little over {$5000.00} for a 5 year period. I ended up selling the condo after 2 years and 4 months leaving 2 years and 8 months of PMI unused. After closing I called the PMI company and they said my lender ordered it as a non refundable PMI. When I have clearly talked to her about this. Since this has come to my attention I tried calling her at her old company phone number and it is forwarded to her new company. Which she never answers. When i tried contacting her old company Academy Mortgage, all I get is the run around. I have contacted them about 6 or 7 times. Called 5 or 6 times only to get thrown to different peoples voicemails with no call back. I then resorted to emailing, i got responses and promises of call back and have not gotten anything from them, nor an email back or call in over 9 days. When i asked for the president of the companys email they just push be back to someones admin. I am getting no where with this company and it is extremely frustrating. I will never deal with this company ever again, they are completely rude and unaccomodating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
XX/XX/2018 I WAS REPORTED LATE - WITH DISCOVER CARD - I WAS NOT LATE - THERE SYSTEM DID NOT ALLOW ME TO PAY ONLY ONE PAYMENT METHOD BY CHECKING ACCOUNT - I DO NOT HAVE A CHECKING ACCOUNT AND THEN THEY SENT ME AN EMAIL TO SIGN UP FOR A LOWER PAYMENT AND SPREAD IT OVER 3 OR 4 MONTHS AND FIRST PAYMENT HAD TO BE MADE BY XX/XX/XXXX I TRIED TO DO THAT AND WOULD NOT ALLOW ME TO PICK THE DATE 0 THE SAME DAY I FINALLY GET A REP THEY REPORTED - THIS IS NOT VALID REPORTIING - THEY STATED THT MY CYCLE REPORTED ON XX/XX/XXXX AND I ATTEMPTED SEVERAL TIMES TO MAKE A PAYMENT THE EMAIL WAS SENT XX/XX/XXXX I TRIED TO MAKE A PAYMENT ON THAT DATE ACTUALLY THE WEEK BEFORE, SO IF THEY TRACK EVERY TIIME WE LOG INTO OUR ACCOUNTS THEY NEED TO PULL THAT INFORMATION AS WELL AS THE PHONE CALLS OF ME ASKING OTHER FORMS OF PAYMENT AND NO ONE EVERY GIVING ME ANY OTHER FORMS BESIDES. THIS N IS NOT MY FAULT I WAS NOT LATE - I WAS ABLE TO MAKE PAYMENT PRIOR TO XX/XX/XXXX AND WAS NOT ABLE TO DO TO THE SYSTEM - ERROR - I CONTACTED DISCOVER CARD THEY STATED THAT THEY CAN NOT REMOVE THE LATE UNLESS IT WAS THERE FAULT - WHEN I TRIED TO DO THIS PRIOR TO AND WASNT ABLE TO DO THE PAYMENT DUE TO SYSTEM ERROR THAT IS THERE FAULT NOT MINE - I TRIED TO FULFILL MY OBLIGATIONS - AND YET I AM BE PENALIZED FOR THERE SYSTEM ERROR, WHICH IS NOT FAIR I TRIED EVERYDAY THE WEEK OF THE XXXX - TO PUT THE INFO IN AND DID NOT TAKE IT, I WOULD LIKE ALL CALLS PULLED ON WHEN I ASKED FOR OTHER FORMS OF PAYMENTS AND WAS TOLD THAT I HAD TO SIGN ON LINE OR THEY CAN DO IT OVER THE PHONE. TODAY XXXX   THE REP - SAID OH YOU CAN MAKE A PAYMENT THRU XXXX XXXX - I HAVE NEVER BEEN LATE AT ALL ON THIS ACCOUNT SINCE I HAD IT - I HAD ONE ISSUE WITH MY PREPAID ACCOUNT AND THEY DO NOT ACCENT THAT ACCOUNT AND THAT IS IT. DISCOVER CARD CLEARLY CAN ASSIST BECAUSE IT WASNT MY FAULT WHEN I TRIED TO DO HAS THEY ASKED,. THE SUPERVISOR EXPLAIN THT HE CAN FLAG MY ACCOUNT FOR DISPUTE - THAT IS, - THIS IS DEFINITELY UNJUST AND EFFECTING ME TREMENDOUSLY. MY CREDIT SCORE AS DROPPED TREMENDOUSLY I WAS UPDATE DXX/XX/XXXX ON XXXX MEAN WHILE THAT DAY I FINALLY WAS ABLE TO GET SOME ONE, WHO DID NOT SET ME UP FOR WHAT DISCOVER CARD EMAILED ME - BUT FOR A REGULAR PAYMENT AND STTD THT IT WONT UPDATED AGAIN UNTIL AFTER THE XXXX - THIS IS A COMPLAINT THAT NEEDS TO BE LOOK UPON BECUASE IF I TRIED TO MAKE THE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am attaching the investigation request I sent to Equifax and XXXX XXXX on XX/XX/XXXX. Both have taken longer than 30 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Me and my wife were living at XXXX XXXX XXXX  for almost a year starting around XX/XX/2015. In that time we never missed a payment nor was late on a payment. By XX/XX/XXXX we had received no notice of a change in rent but I did know the lease was coming up soon so I went to talk to leasing office about resigning the lease for another year. I was then told by leasing office our rent was going up over XXXX dollars due starting next month with no type of notice at all. The rent was too much for us so I put in a written notice saying we will have to move out next month. After we moved I was called by apartment saying we owed money which wasn't true because we paid that last month we were there. We even went back to the apartment and tried to explain but they said they would not remove it and the balance had to be paid. Months passed and i see a debt collection from the apartment for XXXX   dollars. When I tried to dispute it with XXXX they did not remove it. In conclusion we were not given notice of our Rent changing so drastically and a written notice was given so we should not have had a debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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:
Trans Uniion has refused to remove a bogus address, possibly related to ID theft.

I have disputed this multiple times I have never been to New York I don't want to go to New York THIS IS NOT NOR HAS IT EVER BEEN MY ADDRESS, EVER!

Address XXXX XXXX XXXX XXXX, NY XXXX I SUSPECT ID 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 non-monetary relief