vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TN

Complaint narrative:
We ( I represent a non-profit business XXXX XXXX XXXX, XXXX TN ) attempted to send XXXX USD to XXXX through Western Union-Money in Minutes. On XX/XX/XXXX through XXXX XXXX, the transaction was completed, a tracking number ( XXXX ) was issued. The teller ( XXXX ) called WU to verify that everything was good. 
After 4 failed attempts to receive money, I called WU - 1st agent ( XXXX, emp # XXXX ) ( on Saturday ) said money was being held, would take 24 hrs to respond to us ; 2nd agent ( XXXX, emp # XXXX ) ( on Monday ) said money was being held, would take 48 hrs to respond ; his supervisor ( XXXX ) said would take 72 hours to respond. No case numbers or other evidence of the matter being recognized were given. I asked to be transferred to XXXX XXXX in corporate headquarters. Both XXXX and XXXX said they couldn't and they couldn't transfer me to anyone else at all. I emailed Ms. XXXX seeking help. XX/XX/XXXX, an agent ( XXXX, emp # XXXX ) called and said the money was being refunded - that there were general problems with sending money to XXXX. I asked if there were specific problems with XXXX XXXX personally, and he said no. No one addressed the fact that we have been sending funds to Pastor XXXX monthly through Western Union since XX/XX/XXXX and that {$11000.00} was transferred on XX/XX/XXXX ( Tracking # XXXX ). 

This money is being used to purchase land on which to build a church and ministry buildings. The time delay has put this purchase in jeopardy. Western Union took our money without any attempt - and according to them- without intention of either contacting us or fulfilling what they said they would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have recently disputed inquiries that I did authorize to have check my credit report. I have ask that these items be removed from my credit file because I hadn't authorized them, and they still remain on my file.

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 2018-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have been a proud TD bank customer for more than 12 years. I also have a mortgage account with TD Bank. It was a total surprise to me when I received 2 letters from the TD Mortgage Department yesterday : 1 ) missing a XXXX payment and 2 ) a late notice. Initially, I was questioning myself on what was going on since I have taken pride in keeping all my accounts at good standings for all these years. I have never had a late payment issue and have always maintained good balances. It was a real shock to me ; I never thought I would miss a payment. Immediately, I pulled up my online recurring transaction records for my mortgage payment that I set up at the beginning of the year, which I had screenshot from the scheduled transfer transactions confirmation page. The recurring transfer transaction was for the period beginning on XX/XX/2018 and the set amount was {$3700.00} from my Checking account to the Loan Account for the first day of each month ( a total of 12 recurring transactions was set up under a confirmation ID provided by the TD banking system ). I monitored the recurring transactions for the first 3 months, and I put my trust in the Bank system to continue my remaining transactions for the rest of the year. 

Unfortunately, in XXXX, I was preparing for a XXXX XXXX. I was so disappointed when I returned home from the hospital and saw that I had received the two letters from TD Bank regarding my missing XXXX mortgage payment. For all these years, I believed that TD Bank had the most secure and reliable banking system, which is why I have been banking with them for so long, but this incident failed me big time! I am writing to you today to inform my dissatisfaction for your banking system that hurt my good standing and my reputation as being a good customer. If you need more information and clarification from me, I am always here. I hope you can build a better, reliable system that will benefit the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: AR

Complaint narrative:
XXXX  MUST NOW REMOVE ALL BARRIERS TO MY CREDIT REPORTS, CONSUMER REPORTS AND MONITORING. THERE S KNOW NEED FOR CONSUMER AFFAIRS TO AUDIT MY LIFE ANYMORE!

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 2018-07-24 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: MO

Complaint narrative:
I have a collection account on my Experian Credit Bureau from a Creditor by the name of University XXXX XXXX XXXX XXXX that isn't mine and its been reporting to my credit bureau since XXXX. I have disputed the collection multiple times and have disputed directly with the creditor. Experian tells me that when they do their investigation that the debt comes back as valid and that it will remain on my credit report. This debt was from XXXX, its over 12 years old. I  called University XXXX XXXX XXXX XXXX and they tell me they don't have to provide me with proof and that I should just pay the debt. They also told me I should call my local Police Dept and file a Police Report however they wont do so because of the age of the debt and that I have no proof to show them that a debt I'm claiming isn't mine exist. I want this removed from my Experian credit report at once and want to file any and all complaints I can and I will even consider private litigation if needed.

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 2018-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The problem is actually very simple. We have two credit cards. a personal card with a credit limit of {$19000.00} and a business card with a limit of {$29000.00}. This gives a total credit limit of {$48000.00}. Each month our total balance for both cards is approximately {$10000.00}. Both XXXX and Transunion, according to XXXX XXXX, calculate the balance to limit ratio and If this number is over 30 % it is a " high impact '' factor for determining the credit score. This would be fine except that each month the " limit '' number used is shown as {$19000.00} instead of {$48000.00}. The " balance '' number used is always the sum of that of both cards, usually around {$10000.00}. $ XXXX {$19000.00} = 51.3 %, well over the 30 % guideline. The actual number should be, of course, $ XXXX {$48000.00} = 20.6 %, well under the guideline. It should be noted that we pay each card off completely every month so that in reality our " balance '' is XXXX. We haven't paid any interest charges in years. In any case I would simply ask that the proper number showing the sum of the limits of both cards be used in the calculation. The system for resolving disputes with these companies is very opaque and seems to allow only the most determined to make any progress. Thankyou for your kind attention in this important matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: National Default Servicing Corporation
State: CA

Complaint narrative:
National Default Servicing Corporation ( NDSC ) did not provide the required pre- Notice of Default ( NOD ) outreach as required by California Civil Code XXXX. 
Please refer to Consumer Financial Protection Bureau complaint XXXX where NDSC admits the Substitution of Trustee was executed on XX/XX/2016 and recorded on XX/XX/2016. Therefore, any correspondence addressed to me was provided by NDSC prior to the date of execution of the Substitution of Trustee was done before and outside of their role as Trustee and as a shady debt collector who had not been authorized by the bank to commence debt collection activities and including beginning foreclosure processes. Thus, the required pre-NOD outreach had not been satisfied. 
All previously requested resolutions are desired.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: FL

Complaint narrative:
The credit bureau is reporting a collection account.

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 2018-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
There is a company by the name of Credit Counsel , Inc. located XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX representatives name is XXXX XXXX. He has been sending me letters and calling me trying to collect a debt from " XXXX XXXX XXXX XXXX '' which I do not owe and after speaking to the XXXX XXXX XXXX corporate office they assured me this company does not represent them and that I do not owe them any money. I have attempted to have this XXXX XXXX understand that there is a mistake but all he does is threaten me with reporting to my credit and insult me calling me a liar and a fraud and that i'm going to pay for this. I have emailed him papers showing I don't owe them but he doesn't care. I have no idea who this guy is and i'm tired of him calling and harassing me its been going on since XXXX of this year and he claims I owe {$5000.00}.

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 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am seeking clarification on who is the " merchant '' in this legal member agreement. I am a member, I am doing business with BLUEBIRD AMEX, but why is the merchant 's integrity, more important than mine as a customer of BLUEBIRD? : This is the statement from my member agreement I want addressed.

5f. Returning Merchandise If you wish to return any merchandise purchased with a Bluebird Account, Bluebird Card, Family Account or Family Account Card, you will be subject to the merchant 's return policies. If the merchant agrees to issue a credit, such credit may take as long as seven ( 7 ) days or longer to post and be reflected as Available Funds. 

My merchant XXXX, gave me 10 days to solve this claim. The merchant wanted the defective product back, and after I returned it at my own expense by priority mail, and they had it for two days, XXXX paid me. So what does AMEX have to do with an investigation? Are you going to refund my postage paid to return a defective item. I was in constant contact with the seller, because they phone would not work. I even looked up the IMEI number and found out it was made in XXXX and not all protocols were compatible with American phone carriers. The seller strung me along, because I truly liked the phone, but it would not WORK IN AMERICA! I have emails that show I tried over and over to work this out for two months. The seller strung me along long enough for my XXXX protection to run out, but XXXX had my back! 

In my case the Merchant was XXXX XXXX, AMEX does not have a buyer 's protection policy, but just recently is enacting one in XX/XX/2018. My XXXX account, which I used to sign up for my XXXX account over 17 years ago, did protect my purchase. I do not see why this would be treated as a courtesy for the merchant who sold me a defective product. I am the customer of AMEX, and I should be given such a justifiable treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
This is a simple case of a BIG SHARK taking hold off a little puppy and shaking it. I have repayed my loan back. This is so scary please review documents. I was in the last year of my schooling, had no parents to help and I had no choice but to just sign on the doted line. I am like 100,000 $  in debt with my student loans and this is just one of the examples of how I will never be able to pay this off. I at the time did not know what I was signing and I was never sat down and told how I would never be done paying. Please can you look at his breakdown and documents and please help me. My aunts have taken this loan on personally as I have tons of others to pay. My aunt now has XXXX and I want to be able to tell her she has paid enough. Please help me be able to STOP being taken advantage of. How are things like this even allowed? I was a kid, do I have to pay for this all my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America XXXX. XXXX XXXX XXXX XXXX, TX XXXX PH : XXXX Credit card account # XXXX Secured credit card paid in full and closed XX/XX/2013. 

My good account only shows up on XXXX. I Please send me a letter by Bank of America that my good account is on all my credit reports. XXXX. My address is XXXX XXXX  XXXX XXXX # XXXX XXXX, AZ XXXX Phone : XXXX. 
This is URGENT!!

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 2018-07-24 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
this issue is with XXXX XXXX. flight confirmation number is XXXX. they charged me for a flight that I did not take. I called and spoke a representative on XX/XX/XXXX that I couldn't make my outgoing flight. they tried to put me on a later flight but advise that I needed to get to my destination earlier. I would look into something else. they advise my return flight was still good. on sunday when I tried to check in to my flight it gave me an error I called and they advise my flight was cancelled. after speaking with 3 agents they said nothing they can do I would have to call back on Monday and speak with corporate so they can pull my call from Friday so they can refund me or put me on another flight. I called on Monday and they advise that they could not pull the call and that nothing can be done. I advised several times that there own agent on Friday said my return flight would be ok. I requested to speak with a manager they advised couldn't transfer me and that nothing can be done. XXXX XXXX has stolen my money and took advantage of my situation. I called to see what could be done and they advise that my return flight was still good. please help my get my money back that they took from me for a service that was not provided. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BROKER SOLUTIONS, INC.
State: WI

Complaint narrative:
The debt is a mortgage. This debt was discharged in Bankruptcy Chapter XXXX in XX/XX/2017. Since then I have been in contact with two employees in the Mortgage Retention Dept. of New American Funding. I have also had monthly conversations with the company 's customer service representatives regarding this debt. I requested a deed-in-lieu from New American Funding to no avail. A deed-in-lieu would surrender the property and save the mortgagor time and money. They were unable to provide same as XXXX XXXX would not consider this option unless I filled out paperwork that was stamped " Loan Modification Application. '' I refused to apply for a loan modification on a loan that was discharged. New American Funding has agreed in telephone conversations and written correspondence that this debt was discharged and has been very sensitive to the laws and rules surrounding attempts to collect a debt that has been discharged. Until today. 
Today I received a call from New American Funding asking that I call them back. No reason was given. I called and the employee asked me to arrange to pay the balance due. I told her ( XXXX aka XXXX ) that this debt was discharged by bankruptcy court and she said that was the reason that the calls would now resume. I her that she was violating the law and either knew it or should know it and she repeated herself. I asked to speak to her supervisor and she said she would put in a request for him ( XXXX aka XXXX ) to call me-within 48 hours. I couldn't find out if she couldn't connect me or wouldn't. I made it clear that she/NAF was violating the law ( as I understood it ) by attempting to collect this debt. It feel on deaf ears.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: CO

Complaint narrative:
I opened a secure credit card with us bank in XXXX MN back in XX/XX/2017. They said if I opened the account with XXXX dollars that they would report it to my credit report all three XXXX XXXX and the other. But that did not happen. It has cost me a great ammount of money because of a larger ammount on interest on my car loan and other loans. I trusted the bank but they did nothing. When I called them they said I have to send them a letter. But the damage has already been done. I was mislead in truth and lending by us bank. And I explained to them that the damage has been done and they responded oh well. I feel I was dupped and felt sure that I could trust what they said to me was truthfully. I would have never opened a secured credit card with them if only they do is charge me fees for my own money. Missleading into beleaving something that was not the truth is wrong. And when I want to close the secure credit card they say I have to send a letter. But I opened it at the bank why can I not close it. They keep assessing fees of late payments of my own money please help 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 monetary relief
Consumer complaint received 2018-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I purchased a product using my AMEX from XXXX XXXX. The Item I ordered was not the item I received. The item XXXX shipped was an inferior product, that was {$50.00} higher than the last minute deal I purchased ( but my purchase was a better computer ). XXXX would not honor the purchase and tried to give me {$50.00} credit. I said no, and returned the computer via XXXX two days later. I waited on my refund, but they delayed it and blamed AMEX saying they sent the refund and AMEX was holding the money. Until then I had no problem with AMEX BLUEBIRD. My employment direct deposit went to it, and I used it always. XXXX kept saying AMEX had my money. I had conflicting emails, and called AMEX BLUEBIRD, who said that if they had my money, they would automatically release it ( although policy enacted in XX/XX/2018 ) says that merchants may request 7 days hold on refunds (??? ). Finally, after much moaning and hollering, a rep from XXXX calls me and tells me my money is on the way, she gives me my card number and says she has talked to XXXX and that the money is on the way. I find out later they brokered a provisional credit with AMEX, until they could send the money. All the time XXXX blamed AMEX saying they had the money. I felt like this was a back door deal and that AMEX was conspiring with XXXX ( the merchant ) behind my back, although I was the customer. I changed my direct deposit and stopped using the account. On my new positon with my job, I found out the importance of data integrity for customers and I feel the AMEX violated my privacy and is in cahoots merchants and the expense of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Golden State Collections LLC
State: CA

Complaint narrative:
I spoke to your company before and informed you that I am in dispute with the medical service provider and that you needed to validate this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION.. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you and provide a detailed, plain and simple list ( not coded ) of any and all services or a line by line itemization report of charges. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. If so please delete from collection. Ive had Medicare insurance for the past 18 years.

Thank You

Company response to consumer: Closed with explanation