vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX ET, I entered a money transfer transaction from the US to XXXX : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Total Billed Amount : XXXX USD Exchange Rate : XXXX USD = XXXX CUC Transfer Amount : XXXX CUC Total to Receiver : XXXX CUC Transaction Number : XXXX XXXX XXXX In XXXX, the funds were unable to be retrieved because, unknowingly , Western Union does not allow US Citizens to be defined as the recipient of funds in XXXX. On XX/XX/XXXX at XXXX XXXX ET, I spoke with Western Union Customer Service for 15 minutes and 37 seconds to request that the Transaction be cancelled so that I could be refunded. I was told the transaction was being cancelled. On XX/XX/XXXX at XXXX XXXX ET, since the transaction was NOT cancelled, I submitted an online Refund and Cancellation request with Western Union ; Case Number XXXX On XX/XX/XXXX at XXXX XXXX ET, I called Customer Support again. I was on the phone with them for 42 minutes and 13 seconds, and was told that the system has an error, and that is why they are not able to process the cancellation of the transaction. On XX/XX/XXXX, I used the Customer Support Chat feature to contact Western Union around XXXX XXXX ET, and was told there have been no changes, and that they are still unable to cancel the transaction. To summarize, Western Union has held {$540.00} from my account since XX/XX/XXXX, and has not given me any updates or time frame as to when the  system error can be resolved in order to cancel the transaction and grant a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received a promotional offer from Fifth Third Bank in regards to my HELOC. I was to receive 1.99 % if I used {$5000.00} or more to their line of credit. I had a balance I was paying 4 % on and decided to move {$8900.00} to 5/3. The online banking portal showed rate change PROMO APR 1.99 % ( 15 times on my screen ) so I thought good deal, that was easy. I got my statement and it showed my rate at 5.24 % so I called 5/3. After some run around, they told me I was n't eligible for the rate even though my screen showed I got it. I would n't have moved the money or would have moved it back sooner if the bank alerted me that I did n't qualify. After complaining to supervisors, they changed the rate to 1.99 % but will not make it retroactive to the date of the transaction. Meanwhile, I paid off the LOC because I had the money but wanted to use someone else 's money short term. The difference is about {$65.00} in interest, and that might not be a lot, however, if they are doing this to me, I 'm sure the bank is ripping off a lot more people. This practice is abusive and uses misdirection to make sure consumers are n't paying attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I paid off my XXXX XXXX credit card leaving a XXXX balance. As I closely monitor my credit file ( for good reasons ) I checked my credit report from Experian 7 days later and notice they are still reporting a balance on my credit card. I noticed XXXX XXXX and they stated they reported a XXXX balance to the all there credit reporting agency they used no later than 3 days after the account was XXXX balanced. We are not 21 days out and Experian is still reporting a balance ( incorrectly ) on my account. Furthermore, they are also showing an outstanding debt /or collection account from XXXX XXXX from XXXX. This is 8 years ago.

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 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
I do not have a signed contract nor any contract with Enhanced Recovery Corporation. I have never done business with this company. I am not liable for collection from this debt from  XXXX   XXXX   XXXX . I am not responsible for this debt with Enhanced Recovery Corporation. I called and spoke to a very rude representative and I requested to speak to a manager. I informed them that I do not owe this debt and asked for removal from all of my credit reports immediately. I was told that they would send me a fraud packet and I would need to send that back before they remove this unauthorized, unverified account that has no validation.   They are reporting this account opening as  XXXX   XXXX ,   XXXX  . I was not aware of this attempt to collect a debt before now, I have not received any notifications from them. They had an address that does not and has never belonged to me in their database. I informed  Enhanced Recovery Corp.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - XXXX. - Account type- STUDENT LOAN. **I am disputing this account for inaccurate information. I had sent letters on XX/XX/XXXX, XX/XX/XXXX to XXXX, did not hear back from them on both occasions. XXXX, XXXX, AND TransUnion are reporting negatively on my Credit files and they all need to remove them immediately. XXXX XXXX information is fraudulent and inaacruate and that they need to remove XXXX IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX, XXXX, AND TransUnion or XXXX. As of XX/XX/XXXX, XXXX is still reporting negatively on my all three credit files. I want this deleted immediately from all 3 of my credit files Now. I am getting no answers. The last report date of the account was XX/XX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help

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 2017-06-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - XXXX. - Account type- STUDENT LOAN. **I am disputing this account for inaccurate information. I had sent letters on XX/XX/XXXX, XX/XX/XXXX to XXXX, did not hear back from them on both occasions. XXXX, Equifax, AND XXXX are reporting negatively on my Credit files and they all need to remove them immediately. XXXX XXXX information is fraudulent and inaacruate and that they need to remove XXXX  IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX, Equifax, AND XXXX or XXXX. As of XX/XX/XXXX, XXXX is still reporting negatively on my all three credit files. I want this deleted immediately from all 3 of my credit files Now. I am getting no answers. The last report date of the account was XX/XX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
XXXX XXXX2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX. Business accounts in the Amount of {$5600.00} XXXX XXXX, 2010 unauthorized withdrawals of {$4900.00} Check # XXXX XXXX XXXX, 2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX. Business accounts in the amount of {$2500.00} XXXX XXXX, 2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX. Business accounts in the amount of {$8500.00} XXXX XXXX,2010 unauthorized Withdrawals of {$6100.00} check # XXXX XXXX XXXX, 2010 unauthorized withdrawals of {$15000.00} check # XXXX XXXX XXXX,2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX Business account in the amount of {$3500.00} XXXX XXXX 201 unauthorized transfers from another XXXX XXXX XXXX. Business account in amounts of {$2000.00}, {$7000.00} and {$3500.00} XXXX XXXX,2010 XXXX XXXX Citizens Bank employee made unauthorized withdrawals from XXXX XXXX XXXX Business account in the amount of {$4000.00} check # XXXX XXXX XXXX, 2010 XXXX XXXX Citizens Bank employe made unauthorized withdrawals from XXXX XXXX XXXX. Business Account in amount of {$16000.00} check # XXXX All checks were sent to XXXX XXXX residential in XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XXXX/XXXX/XXXX at approximately XXXX, a call was placed to my employer from Comenity Bank regarding a XXXX XXXX XXXX. They asked several people in my office if I worked for them, and stated they are " chasing him for a XXXX debt. '' I finally got them on the line and instructed them to reach me in writing and that it was simply not right to share my debt information with everyone in my office. Is n't calling and reporting about my debt to my employer illegal!?! please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
This is a formal complaint about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - FRANKLIN COLL . - Account type- COLLECTIONS. **I am disputing this account for inaccurate information. I had sent letters on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX to FRANKLIN COLL, did not hear back from them on both occasions. XXXX is reporting negatively on my Credit files and they all need to remove them immediately. FRANKLIN COLL information is fraudulent and inaccurate and that they need to remove FRANKLIN COLL IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX or FRANKLIN COLL. As of XXXX/XXXX/XXXX, FRANKLIN COLL is still reporting negatively on my all three credit files. I want this deleted immediately from XXXX credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX charged a regular monthly charge of {$8.00} on my credit card. I had never had any communication with XXXX and never authorized any payment to them. I believe the payment was charged due to my wife 's card expiring ( she had an account with XXXX ). However, I view with great surprise that XXXX will allow a husband 's account to be debited where a wife is not paying, especially with a digital good where the most sensible resolution is simply to stop the subscription. I already spoke with XXXX ( customer service ) and XXXX ( Fraud dept ) but they did not offer a satisfactory resolution and could not explain how this had happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The three main CRAs are reporting student loan accounts that are ten years old and have been requested removed via the FCRA ; those same bureaus are reporting balance transferred, closed accounts, or delinquent on these older accounts ; several of the closed student loan accounts are also showing unknown on payments for several years, except for late payments within those accounts ; I have called the original creditors off those loans/ accounts and they have stated the account is no longer accessible and they do not report to any off the CRAs. I am requesting immediate removal of those accounts labeled under XXXX XXXX ( 2 ) ; XXXX XXXX XXXX ( 2 ) ; and XXXX XXXX XXXX XXXX XXXX the above aforementioned accounts have been requested for removal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mobiloans, LLC
State: TN

Complaint narrative:
Someone took out a loan in my name without my authorization and now I have a collection on my report regarding it from a collection company. They refuse to listen to me when I tell them it is the result of Identity theft and not mine.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I 'm trying to obtain my Escrow Refund for XXXX XXXX XXXX ). I refinanced XXXX XXXX now nobody associated with my refinance has no Loan Number of the refinanced transaction. I called XXXX XXXX and was told it was in some kind of evaluation, which the Escrow was evaluated in XXXX also.I was told in XXXX that I would receive it the end of XXXX now no one has heard of me or the refinanced transaction. I was never able to speak to a supervisor or manager. I 've tried to contact everyone involved with the refinance transaction even the Title Loan Office. I was contacted in XXXX XXXX for {$100.00} for tax increase then XXXX XXXX my mortgage was increased for {$580.00} to {$590.00} with no explanation for the increase. I 'm afraid next year they may say they 've not received my mortgage payments which is an automatic withdrawal. I need help in dealing with these companies. Thank You. SUPPORTING DOCUMENT IS FORTHCOMING.

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 2017-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I cancelled my contract with XXXX because my husband took himself off of our contract without telling me. I was being charged his monthly portion for six months even though he had the same number through them and still had an account they would n't move the debt for his phone he had n't paid off over that was XXXX and add the cancellation fees to it and the past two payments not made because I could n't afford it i was n't working. XXXX refused to work with me at all, but set me up with creditors to hassle me and call me all hours of the day all day to get their supposed money i owed them. They have branded my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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:
I am filing this complaint because XXXX | Trans Union | XXXX have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The accounts that I disputed have not been properly validated or verified. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to delete all information which can not be verified. Please resolve this as soon as possible.

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 2017-06-21 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:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX  Experian have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The accounts that I disputed have not been properly validated or verified. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to delete all information which can not be verified. Please resolve this as soon as possible.

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 2017-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting a debt for a company called XXXX XXXX XXXX in the amount of {$53.00} I have tried to resolve this issue by sending 2 letters. One in XX/XX/XXXX and in XX/XX/XXXX trying to get Equifax to validate the debt. I have never done business with this company. I do not have a signed contract with XXXX XXXX XXXX. I am not liable for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
Calls being made repeatedly to my daughter and to an old ( and seriously ill ) family friend threatening to serve me with a complaint for a debt. The company calling us XXXX XXXX. I do not owe XXXX XXXX any money. They claim it is for money ( {$3200.00} ) owed to HSBC. I do not have any collection on any of my 3 credit reporting accounts ( XXXX XXXX or XXXX ) for a debt or past debt owed to HSBC.  XXXX XXXX 's phone number is XXXX and the woman who threatened me with being " served with a complaint '' is XXXX XXXX. I tell them I am going to file a complaint against them and they stop calling for a while, then start calling again. I checked with the Sheriff 's Dept., and with the process servers in NC, and none of them have any complaint to serve on me. I want these threatening calls stopped! The last calls started XXXX/XXXX/17. I checked my 3 credit reports today, and they all show " no collections ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
I have an account with nation star mortgage. After closing, the wrong closing cost was sent. The company never called to tell me so my account was not settled. I realized it when I looked at the account online. I went back and fort until they finally decided to accept the original payoff sent to the closing company. It took probably a month after closing. Now the company is giving me the run around and seem to not want to give back the overage that I am due as more money was sent in than was required for the pay off. Even after a couple days calculation for interest I am still due an overage payback. It has been two months. Every time someone says they will call me back it never happens. the closing company as well as one of their own representative already stated I am due an overage. I can not seem to resolve the issue and everyone seems to act as if they do n't know what I 'm talking about.

Company response to consumer: Closed with explanation