vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 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: GA

Complaint narrative:
XXXX has a collection on my file from XX/XX/2012. The account number is XXXX for {$1900.00}. I disputed this item and the bureaus left it on my file. I have now contacted XXXX FIVE TIMES. I gave them the account number from the credit bureau file and all of my personal information. They can not find this account in their system. 

How is it possible that the bureau sends a dispute to XXXX and XXXX sends back verification OF that dispute and it remains when XXXX can not locate it with their account number or my social security number? Or do the bureaus even send this dispute to XXXX? Perhaps they just leave all XXXX items on the file without the dispute process? 

How is it that a consumer can be held hostage to a collection account that they are unable to pay? Is this like a phantom parking ticket? Or perhaps a loan sharking loan where there is no record of the loan? 

CFPB should publish this. How often are consumers ripped of their rights like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Multiple Equifax agents have refused to open a dispute on an address being reported incorrectly. I asked for the contact information of the creditor reporting the information. I was told by XXXX ( id # : XXXX ) there's no record of the creditor reporting the address. In addition, I was told I need to prove or disapprove the validity of the address in question. I was dismissed when I reminded the agents of the law requiring the agency to investigate and come to a resolution with 30 days. 

Also, Equifax has made it impossible for me to access my credit file online or phone and extremely difficult via phone. I do not have this issue with the two other agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
Western Union allowed an account to be set up in my name, and funds transferred by a named person in XXXX to another named person in XXXX-neither of them me. I have been on the phone for hours with them and they have been terrible - I had to send the police report several times, and then start again every time I called back - hours of wasted time! Always saying to be patient, they were working on it, and would contact me shortly. 
They NEVER called me back, and after another hour on the phone with their Fraud Department today, they informed me I am not ELIGIBLE to receive my money back! 
The thieves took {$440.00} out of my Checking Account at XXXX XXXX XXXX XXXX on XX/XX/18. I didn't catch the Western Union transfer until a meeting with my accountant in XXXX, so the bank insists I missed their window of opportunity to help with the fraud. Western Union asked that I close my account to avoid further fraud, but I NEVER had an account with them to begin with!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX we disputed charges on our American Express corporate account. Amex asked us to obtain information from the merchant, which was XXXX, but we informed them that the merchant would not answer our questions because the charges were made with our card but not on our company account. ( See page 1 through 5 of the attachment. ) We assumed the matter was being investigated by Amex but learned in XX/XX/XXXX that Amex had closed the dispute, having done nothing to contact XXXX, and having communicated nothing to us. We asked them for the reason they closed the account. They sent us an email dated XX/XX/XXXX noting " here is the back up of when we closed the case '' but there was in fact zero back up information. ( See page 6 of the attachment. ) We asked them to re-open the dispute, which they did in XX/XX/XXXX. However, it is now XXXX and they continue to say, " give us time, we are trying to contact the merchant '' and so forth. I believe they are simply stalling for time, and unwilling to admit that the information they could have obtained more than 18 months ago is no longer unavailable. ( It doesn't take 3 months to investigate a prior purchase. This is XXXX, with storage capabilities so awesome they are used by the CIA. ) I believe Amex wants my company to " eat '' the disputed charges that they failed to investigate. Moreover, because of this dispute, my company withheld full payment of our bill for many months and thus forfeited valuable Rewards points, which in some instances we had to pay to reinstate and in which in other instances we are told can not be recovered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-26 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: GA

Complaint narrative:
XXXX has a collection on my file from XX/XX/2012. The account number is XXXX for {$1900.00}. I disputed this item and the bureaus left it on my file. I have now contacted XXXX FIVE TIMES. I gave them the account number from the credit bureau file and all of my personal information. They can not find this account in their system.

How is it possible that the bureau sends a dispute to XXXX and XXXX sends back verification OF that dispute and it remains when XXXX can not locate it with their account number or my social security number? Or do the bureaus even send this dispute to XXXX? Perhaps they just leave all XXXX items on the file without the dispute process?

How is it that a consumer can be held hostage to a collection account that they are unable to pay? Is this like a phantom parking ticket? Or perhaps a loan sharking loan where there is no record of the loan?

CFPB should publish this. How often are consumers ripped of their rights like 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 explanation
Consumer complaint received 2018-09-26 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: GA

Complaint narrative:
XXXX has a collection on my file from XX/XX/2012. The account number is XXXX for {$1900.00}. I disputed this item and the bureaus left it on my file. I have now contacted XXXX FIVE TIMES. I gave them the account number from the credit bureau file and all of my personal information. They can not find this account in their system.

How is it possible that the bureau sends a dispute to XXXX and XXXX sends back verification OF that dispute and it remains when XXXX can not locate it with their account number or my social security number? Or do the bureaus even send this dispute to XXXX? Perhaps they just leave all XXXX items on the file without the dispute process?

How is it that a consumer can be held hostage to a collection account that they are unable to pay? Is this like a phantom parking ticket? Or perhaps a loan sharking loan where there is no record of the loan?

CFPB should publish this. How often are consumers ripped of their rights like 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 explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
I got notice of a termination of rental property insurance/home owners policy. I called them to see what's it about. They said it was because I was living in the house and it had to be switched to the regular homeowners policy ( which is what I've been trying to get for the last year ). But after all that they tell me that because I have a flag for credit card that I couldn't pay because I had to worry about survival first, it was charged off the insurance couldn't be updated. I got transferred to 3 different departments till I got to the resolution department. They told me it will remain in the charged off status till it is paid off. Which I get. They wanted XXXX within a year, which I can't say ya or nay because I am still trying to get my life fully going again. When I asked if I agree to the terms would it lift the flag she tells me She doesn't know because that's up to the insurance side. Of course the insurance side is the one that said the collection department had to do it. Now I'm going lose my homeowners insurance because they don't want to help. I understand that I owe them for the credit card but I also have to think of survival too. But these are 2 different accounts. And I guess they don't understand survival first. I guess they don't want me as a customer anymore too. I was going to start paying on it as soon as I was able but it shouldn't affect the insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hi My daughter was given an American Express gift card for her XXXX XXXX. It was for XXXX dollars. We cracked open the sealed envelope that it came in and went online to register it. We see that the balance is only XXXX because someone used the number at a health store. I called amex to explain that the charge is not ours and can't be ours because we never revealed the numbers until today. So it seems that people have found a way to input random numbers and use amex gift cards fraudulantly. I called amex and they said the policy is that they will not take any action and it is our problem, not theirs. I spoke to a supervisor and she said the same thing. So basically, you walk into XXXX and purchase a sealed amex gift card. You go to use it and if someone punches in gift card numbers randomly and get approvals, you loose the money. I believe that is even against the federal law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Below is a copy of the email I received.

LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS.

SETTLEMENT AMOUNT - {$400.00} This email is in reference to notify you that youhas been blacklisted ; yoursocial security number and banking accounts are under investigation thru major credit bureauXXXX.Youwould be receiving the court papers atyourmailing address as well as at employer placeasyoufailed to make the payment as per the agreement.

We are making an effort to several times to help you but you can't understand our concern. Lastly here is an arrest warrant because you had your chance, and now we're not interested with you to resolve this matter so kindly do not waste our important and exigent time.

We are sending your case file to our attorney as your outstanding balance has reached $ XXXX.We will also forward all your details to attorney regarding your negative approach towards your debt. In that a case you need to hire an attorney for yourself and we shall meet in the court house.

Once its proved that you have taken loan than you have to pay the total outstanding balance as {$4500.00} inclusive all charges.

One copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan.

Regards Ace Cash Services ACE Cash Express , Inc .

( XXXX ) XXXX-XXXX XXXX XXXX XXXX:XXXX XXXX. to XXXX XXXX.Central Standard Time XXXX:XXXX XXXX. to XXXX XXXX.Central Standard Time XXXX:XXXX XXXX. to XXXX XXXX.Central Stand Sincerely, XXXX XXXX Ace cash Express Support

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: Fairway Independent Mortgage Corporation
State: GA

Complaint narrative:
I did not apply for any mortgage online. I have disputed this with XXXX XXXX and Fairway independent twice and they are not working with me. I have also disputed this with XXXX credit reporting agency and they have refused to take it off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: GA

Complaint narrative:
I did not apply for any mortgage online. I have disputed this with XXXX XXXX and XXXX XXXX   twice and they are not working with me. I have also disputed this with Equifax credit reporting agency and they have refused to take it off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I received notification from Seterus, my mortgage servicer, that my taxes went up over {$300.00} a month and I was expected to start paying the added amount as of XX/XX/XXXX. This seemed odd to me so I contacted the Tax Assessor 's Office and discovered an error was made. Unbeknown to me my property was incorrectly recorded as a sale on XX/XX/XXXX and was assessed as such. It was assessed at XXXX  price as opposed to XXXX  when I bought the property. The Tax Assessor sent me notification of the error ( attached ) and I forwarded it to Seterus. In the meantime I paid my regular payments but did not have the money to pay the added incorrect amount. I kept getting late payment notices with warnings of foreclosing. Seterus would not change the amount I owed for taxes until they received the next tax bill in mid-late XXXX eventhough I sent them proof that it was a mistake.. In fact, the Assessors office sent me a check for {$1500.00} overpayment for XXXX and both the Assessor and myself notified Seterus of the overpayment.

On XX/XX/XXXX, when I had the money, I spoke with XXXX  at Seterus and set up a payment plan so they would take no further steps consisting of 3 payments ending XX/XX/XXXX. However I paid it off in XXXX. When I discovered they reported me 2 months delinquent on my mortgage to the credit bureaus I requested XXXX XXXX to investigate.. Seterus still refused to remove the negative remark from my credit report.

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 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC refuses to allow me to close inactive accounts with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank account was closed accepted payment in full.

Call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, 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 2018-09-26 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: GA

Complaint narrative:
Equifax Credit Reporting agency continue to Report XXXX XXXX XXXX-STATUS as a CHARGE OFF.

XXXX XXXX ACCT # XXXX This Account was PAID IN FULL in the Magistrate Court in XXXX County in XX/XX/2015 with the Collection Agency XXXX XXXX. I even reached back to XXXX XXXX XXXX on last month, and asked for a PAID IN FULL LETTER. I have Disputed on Several Occassions concerning the STATUS REPORTING as a CHARGE OFF. Yet Equifax continue to respond to me about the BALANCE REPORTING XXXX. How can this Account Report XXXX  BALANCE and STAUS as CHARGE OFF at the same time? I have attached proof that is is Reporting XXXX  Balance and with a Negative Charge Off Status.

Equifax has the FULL Understanding that anything that REPORTS AS A CHARGE OFF Severly Deminishes your CREDIT SCORE.

I have worked deligently to Improve my Credit because I whole heartedly believe in Credit Worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian to no avail to get two addresses removed that are false. Their phone system has had issues and I was disconnected by the only two agents that were actually willing to help. After a total of four frustrating phone calls, I was told by every other agent that they have to follow policy and can not remove an address that a creditor is reporting. I advised them that I had contacted all of the creditors associated with the false addresses by phone and certified mail and they still had not updated. I had no issue with XXXX  or XXXX  with this, yet Experian still flat out refused to remove the last two INCORRECT and false addresses. They said this must come from the creditor. My first time contacting Experian about this issues was XX/XX/18 and the second time was XX/XX/2018.

I advised Experian that they should not be reporting false information- still no resolution aside from them continuing to tell me to contact the creditors which I had already done so over 60 days prior and 3 weeks prior.

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 2018-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
Four years ago I signed up for a subscription to the XXXX XXXX XXXX newspaper.

Money was taken out from my credit card, beginning in XX/XX/2014, to cover the upcoming 6 months by easy pay. Except they would take the money from the credit card and then bill me again. The XXXX payment crept down to becoming a XXXX payment. Every 6 months I would have to call and complain. They would tell me they would fix the problem, but it usually didn't get fixed until I sent them copies of my credit card statements, etc.

In XXXX. I cancelled the subscription. Then I called XXXX XXXX and told them not to pay because I had cancelled. I paid {$5.00} for any extra papers I received. XXXX XXXX   said they agreed to the cancellation in XXXX. I did not receive any papers from the day I cancelled. Then the day they settled, they turned me into A.R.M. collection agency asking for the full amount of the 6 month subscription which I didn't get. I had already paid them a prorated rate. I never received any communication from them after I cancelled. Then I received the collection notice.

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 2018-09-26 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:
I have requested and reached out to your company on several occasions about accounts reporting on my credit file. These accounts are not accurate and or not my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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