vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: VA

Complaint narrative:
On XX/XX/19, approx XXXX, XXXX contacted me stating she was with XXXX, our accounting software, that our subscription has expired so to avoid delay, need to pay. I asked 100 questions, to which she provided the information. Our account name, address, the ending credit card # on file, sent me an email which looked legit from XXXX. I questioned the amount, she had an answer of course. I gave her the rest of the card info, requested a receipt which she sent but she was NOT with XXXX, company named Skrill. We do not work with them. I contacted them, said cancel, no responses and I called the credit card company. Until the charge processes, I am unable to dispute or cancel. I also contacted XXXX, they agreed - this is a scam, they did NOT contact us for this information nor do they need to, the info is stored in our XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: PA

Complaint narrative:
I have a XXXX account on my credit file that has TWO VIOLATIONS of federal law. First off it was opened in XX/XX/12. There were no payments made on this account ( Account number prefix XXXX ... balance listed {$1900.00} ). Credit Bureau standards are to remove these items 6 years and 9 months from the obsolescence date. This is within that time frame and must be removed. 

Secondly, XXXX has issued a 1099 for this debt. I tried to call and make arrangements on it and they would not accept money. It is against federal law for them to report a balance to the credit bureaus that may not be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid XXXX in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that XXXX has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with XXXX XXXX  to no avail and I now need help from their regulator.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: PA

Complaint narrative:
I have a XXXX account on my credit file that has TWO VIOLATIONS of federal law. First off it was opened in XX/XX/12. There were no payments made on this account ( Account number prefix XXXX ... balance listed {$1900.00} ). Credit Bureau standards are to remove these items 6 years and 9 months from the obsolescence date. This is within that time frame and must be removed. 

Secondly, XXXX has issued a 1099 for this debt. I tried to call and make arrangements on it and they would not accept money. It is against federal law for them to report a balance to the credit bureaus that may not be paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: PA

Complaint narrative:
I have a XXXX account on my credit file that has TWO VIOLATIONS of federal law. First off it was opened in XX/XX/12. There were no payments made on this account ( Account number prefix XXXX ... balance listed {$1900.00} ). Credit Bureau standards are to remove these items 6 years and 9 months from the obsolescence date. This is within that time frame and must be removed. 

Secondly, XXXX has issued a 1099 for this debt. I tried to call and make arrangements on it and they would not accept money. It is against federal law for them to report a balance to the credit bureaus that may not be paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MN

Complaint narrative:
My mortgage was originated by XXXX XXXX XXXX and sold to M & T Bank. Since taking over my loan M & T Bank has engaged in a campaign of harassment concerning my HO6 insurance coverage. They initially sent several notices claiming to have no proof of my insurance however this was included with my mortgage documents. After providing them with the proof, they again claimed they had no proof and now wanted the property address to include a unit number. I complied with this request. They have now created a fictitious address and attached it to my loan and are again demanding HO6 insurance information. Each demand includes a threat to attach HO6 premiums to my loan and includes FDCPA language concerning an attempt to collect a debt. I brought the matter to their attention and was told I would be contacted last week with resolution. Instead I received a further 4 notices again referencing the fictitious property address and threatening collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax reported 3 collections to my account all at the same time. Thus caused my credit score to drop 60 points. These accounts were all paid and show a XXXX balance on each account. I contacted all 3 collection agencies. All three stated they did not recently contact Equifax or update any information to my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: PR

Complaint narrative:
Western Union repeatedly uses exchange rates far below the actual rate. for instance. Today I wanted to send money to XXXX. The posted rate was XXXX to XXXX but Western Union only gave XXXX toXXXX. They always given lower than the actual rates but lately they keep getting worse and worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Account Resolution Corporation
State: CA

Complaint narrative:
I offered to pay the amount but they refused to remove it from my credit report. Theres no benefit to paying it if they do not remove it. They do not think they have to remove it if its Paid. 

Account resolution Corp XXXX. XXXX XXXX XXXX mo XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian continues to be a nightmare for me. I have been denied a home loan because Experian has erroneous collections on my report. This was removed as erroneous from company. Experian still has it listed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX " robo-called '' my wife 's phone and my phone threatening to call my employer and take me to court. I called back and they said I owe XXXX for an HSBC credit card. Since this was not the first time I have been threatened by them I asked for more info with intentions to file harassment charges but they would only tell me the state they are in and name of the company. Eventually the lady on the phone didn't like my persistence and just said that they are forwarding my file to court. 

XX/XX/XXXX XXXX XXXX " robo-called '' my wife 's phone and my phone threatening to call my employer and take me to court. I called back and tried a more deceiving tactic to get more info about this business who does have my accurate personal info. Eventually they threatened to sue me for harassment and blocked my number. 

I called the FTC who said I should look at my credit report to see who is actually reporting the debt and it don't show on any of the reports. 

I am looking at my paid receipt and the debt for the HSBC card I had was fully satisfied on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I attented XXXX after speaking with a recruiter who came to my home in attendence with my father. It was soon discovered I would not be eligible for enough financial aid to attend the school, so the recruiter heavily pushed Sallie Mae Financial for the private loans. 

XXXX and its recruiter boasted extremely high job placement and skillsets that would readily have me ready for the workforce, but this was not the case. It was discovered and is now known via mutliple lawsuits that the school lied to its students about its job placement statistics, and its preparation readiness for the workplace. 

The Dept of Education has placed stopped payment on all XXXX XXXX loans, the parent company of XXXX. 

Due to financial difficulties, my student loans went into default multiple times after countless harassing phone calls and threats of wage garnishment etc after difficulties finding employment as the training at XXXX was insufficient to meet many companies standards for jobs. 

After receiving help from family members, my wife and I did a cash out refinance on our home, in order to pay off the remaining loans and remove the defaulted loans from my credit report. 

XXXX 's fraudulent ways and insufficent education, along with predatory practices caused me to incur massive financial penalties. I am currently awaiting reimbursement of all federal and state loans, and am requesting a full refund of all private loans for this fraudulent school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Back in XX/XX/2018 We purchased a TV at Best buy XXXX, MD. When we tried to pick the TV up, it TV was not in stock. Best buy refunded us a total of {$2500.00} ( see attached receipt ) I submitted the dispute with Citi Bank to return the money to my account. 
On XX/XX/2018, I received a credit for the disputed amount. However they charged me the same amount again, same happened in XXXX and XX/XX/2018 Since then I've filed several disputes and went to Citi Bank in person and I've been told there's nothing the can do for me. They say that they see there's this charge but they can't refund it. I also went to Best buy in XXXX and they told me that the money was returned to City Bank. 
It's been over a year and City Bank has not been able to clear this, it's hurting my credit score and also my available balance for purchase.

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 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX marketing material on a flyer received in the mail for the " XXXX XXXX American Express XXXX XXXX ''. 

On the left side of the flyer is says 6x Bonus points at US SuperMarkets, US Gas Stations and US Restaurants. However the number 2 is an asterisk, noting that more information can be found in section 2 on the back.

Most people would not read this section and might just move forward with applying or discarding the promotional flyer.

I read section 2. With in its text it says " You also will NOT get additional points for purchases at nightclubs, convenience stores, grocery stores, or supermarkets. '' Above that however it states you will receive extra points for a total of 6 at Restaurants, Supermarkets and US Gas Stations. So in essence it cancels each other out and the advertising and rules on the back are un clear, creating the opportunity for points to be awarded and or not awarded based on the suppliers discretion and not the basic understanding as permitted on the front of the flyer. It also uniquely disqualifies superstores and warehouse clubs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased two money orders from XXXX XXXX to pay my rent in XX/XX/2018. I found out several months later that the landlord had never received it. I contacted XXXX XXXX and they traced the money orders. Both money orders, one for {$1000.00} and one for {$340.00} had both been altered and cashed by someone other than the landlord. I completed the request to have the money refunded to me and provided all requested documentation. XXXX XXXX paid me back for the {$340.00}, but said the bank that had cashed the check, Capital One, never responded to their request to refund the money. XXXX XXXX says there is nothing else they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 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: UT

Complaint narrative:
I do not understand why Experian is still in business. I have lost the purchase of an automobile last XXXX because No One could reach them by phone to remove credit freeze. I have filed complaints and have written letters to Experian sending them required documents to have freeze removed. They sent me a reply that said per your request we have extended your freeze another year. This made me very angry. They did opposite of what I asked

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: GA

Complaint narrative:
I received an alert on my credit that my score dropped 15 points. I checked my credit found company Afni Inc. located In XXXX IL. Ive never received any calls from this company or the original creditor which is XXXX. Debt is from 2014. Im not aware I had a balance with the original credit I do not feel like I owe a balance. I called Afni and told her was not notified she confirmed that no letters had been sent out. I informed her Im a Collector myself and Im aware of the fdcpa laws and this needs to be removed she said she will send a notification to the credit department to have it deleted since I was not notified. I explained to her I did not owe a balance asked her what was the charges she said did not have a breakdown of the charges because the debt is over 5 years old. Asked her how can they collect on something that they can not provide proof of what the debt is exactly for she said well if you give me your card number and pay this I can have it deleted told her Im not paying for something that she can not give me a breakdown of charges as to what Im charged for. She did tell me debt is from XX/XX/2014 and that she does she a payment made ok XX/XX/14 which was a large amount I asked was it for equipment because Ive returned all equipment she said like I said I cant give you that information. This has damaged my credit greatly and something needs to be done about it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: FL

Complaint narrative:
their customer service would not help and take care of the negative inquiries reporting on 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 2019-10-23 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I sent in my ftc report and contacted the bank about accounts that I did not authorize that were open in my name. The credit bureaus have yet to remove those accounts. I want these accounts to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: FL

Complaint narrative:
their customer service would not help and take care of the negative inquiries reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: FL

Complaint narrative:
their customer service would not help and take care of the negative inquiries reporting on 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 2019-10-23 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: Experian Information Solutions Inc.
State: WY

Complaint narrative:
hello please update my address on my credit report, to no longer reflect XXXX XXXX XXXX   XXXX XXXX or any version of this address as I don't live there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Balance {$2500.00} Highest Balance {$2500.00} Opened XX/XX/2013 ( 6 yrs )  Collection account Original Creditor Name XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: MoneyLion Inc.
State: CA

Complaint narrative:
This account was paid off in full on XX/XX/2019. The company did not apply a payment made in XXXX to my account. I provided a bank statement showing the payment was successfully withdrawn from my account. The supervisor, XXXX, told me it was good to go and it would take approximately 1 week to clear out of the system. It has now been 20 days and they are still reporting it incorrectly and showing I still have a balance. I have reached out to them via email and have gotten no response. They are very difficult to reach via phone. They reported to the credit bureaus on XX/XX/2019 & XX/XX/2019 still stating the full amount due. Please help me get this resolved and reported correctly.

Company response to consumer: Closed with explanation