vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by LVNV FUNDING in the amount of {$430.00} owed to XXXX XXXX XXXX. I was unemployed for some time and could not make the monthly minimum. However, things have changed and I am willing to pay the full balance owed ( {$430.00} ) to have the trade line deleted and a new account opened with XXXX XXXX. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please e-mail or mail a signed and dated letter to the address attached to this complaint or attach the letter to the complaint. After receiving it, I will send you a payment of {$430.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: SUN LOAN COMPANY INC.
State: TN

Complaint narrative:
On XX/XX/2018 a case with the CFPB was opened due to inaccurate information being reported to all three credit agencies ( please reference CFPB case numberXXXX ). Sun Loan is now once again reporting that this closed/transferred paid in full account as being 4 months past due. I have already spoken to an attorney about this account and provide her with all documentation and credit reports showing the history and inaccuracies as it relates to this account. She suggested I try one more last attempt before sending a formal demand letter to your corporate office and proceed with legal action to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Every month its the same story with Capital One. I goto the one click that is sent via email and it doesnt work. I try for a few days to go online, it lets me see my account, etc but not make payments. 
On the last day due this past month in XXXX of XX/XX/XXXX it took me two days of going online in between working and life to get the payment to pop up/the box that allows me to make a payment. 
It then stalled and timed out, then shut down. 
I called the next day and made a payment over the phone as I was at work, I work graveyard at the XXXX department. 
So I sleep during the day and then am at work by XXXX XXXX. 
I need the payment processing to work due to my schedule. 
This has happened a few times, I have to call which takes about an hour by the time you sit on hold, etc .... and that is time I dont have with my sleep and shift schedule. 
They have credited my account before but would not this last time charging me XXXX $! 
That needs to be reversed. 
Also, I want to know why this is an issue, but surfing my account with all other items like account summary works?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: MODERN FINANCE COMPANY
State: CA

Complaint narrative:
Yesterday Friday XX/XX/2021 I came into the financial office were they email me the address so I can come in and do payment arrangement on my car they repo from my apartments. I came in and they said my total was XXXX and I said u know what I don't have it complete I can give half then on Tuesday the other half he said and your payment its coming up as well on the XXXX of XXXX so he said so your total comes down to XXXX and I said ill give {$700.00} now and Tuesday remaining balance he said ok thats fine. I pay {$100.00} in cash the other {$100.00} with my debit card and {$500.00} with my XXXX XXXX when the girl that was charging says we don't get XXXX XXXX and I said is there an atm around she said no but u can do the Payment thru XXXX XXXX let me send u the link and I said ok ill do that. Today sat I'm trying to pay online the {$500.00} and they took access from me to do payments online. So I don't know what there were trying to do with fixing payment arrangement and I'm trying to pay and I don't have access no more to my account. I don't know if he was trying to get the money and still take my car away. But I need my car im doing the best to get everything there charging and they taking other actions

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: NJ

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2021 {$480.00} Open balance XXXX Original creditor Is not my account. I have no knowledge of this account please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: NJ

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2021 {$480.00} Open balance XXXX Original creditor Is not my account. I have no knowledge of this account please remove.

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 2021-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent three Western Union payment to a company to purchase Medical Examination Gloves, but I never received the Gloves, so I filed an Online Cyber scam complaint and reported the mattter to the XXXX Police and WesternUnion. 
on XX/XX/XXXX, I received a XXXX package from Western Union at my address where the funds were sent from in XXXX and thaty gave me three new MTCN numbers and three case numbers as follows and suggested that i should go and pick up the funds at a westernunion location : NEW MTCN NUMBER NEW CASE NUMBER AMOUNT XXXX XXXX {$2300.00} XXXX PESOS XXXX XXXX {$5100.00} XXXX PESOS XXXX XXXX {$5100.00} XXXX PESOS Upon receipt of the documents, I took my assistantant with me ( she was the person I had sent to western union to make the payments. XXXX XXXX XXXX XXXX ) to the Western Location from where the money was sent. They claimed that the money was returned, but since I did not receive the money, i checked on the Western Union App and on the western Union Page, and it said money sent, waiting for pick up. 
I called western union and they gave me a new case numberXXXX and told me i could go back now and pick up the funds. This time we went to a new location, butr no money was available. 

i called Western union again, and again they gave me new case number. XXXX and three new MTCN numbers to collet the money 1- MTCN XXXX XXXX XXXX 2-MTCN XXXX XXXX XXXX 3-MTCN XXXX XXXX XXXX AGAIN WE WENT BACK TO WESTERN UNION AND AGAIN THERE WAS NO MONEY FOR PICK UP Once again thay gave me a New case number XXXX its now several weeks XX/XX/XXXX and the decision now wa stht they will send us a check. 
i sent them many emails and also with our change of address etc. but no response and no check arrived. 
i called again on XX/XX/XXXX, and they told me that they are still investigating and i should call them back in 24-.48 hours. 
I called today XX/XX/XXXX, and still no result. They are still investigating, and i should call them back in 3-7 business days. 
I strongly feel that i am getting the run around and need your intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: FL

Complaint narrative:
I recently got a credit report from XXXX Credit bureau. On the account it mentions an account that I allegedly had with XXXX XXXX XXXX and the account number for that account is XXXX. On the XXXX credit report it states that the XXXX XXXX XXXX account was paid in full and that the last payment was made on XX/XX/2015 and XXXX is providing this information based on a dispute that I filed. So, if the last payment was made on XX/XX/2015 and the account is paid in full then this account can not be a charged off account. XXXX and Equifax have different payment dates for this same account. How can it be that the three credit bureaus have different information on the same account and they are getting the information from the same source which is the creditor. I have submitted a copy of my most recent XXXX Credit Report and circled the payment date and the account status on the credit report. 
The XXXXk XXXX XXXX account that is reporting on my credit report is inaccurate and should be deleted immediately. From XXXX XXXX I have been asking the credit bureau for there method of verification as it pertains to this account but all I have gotten are letters stating that the account is been reported accurately on my credit report but no method of verification and this is a clear FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by XXXX XXXX XXXX XXXX in the amount of {$370.00}. Since I was laid off during COVID, the layoff caused me undue hardship and I was unable to take care of the debt owed. I have finally found employment ( $ XXXX at a XXXX  ) and have been able to save. I am writing to ask if you would be willing to accept {$370.00} as payment in full. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please either e-mail or mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$370.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: FL

Complaint narrative:
I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by XXXX XXXX XXXX XXXX in the amount of {$370.00}. Since I was laid off during COVID, the layoff caused me undue hardship and I was unable to take care of the debt owed. I have finally found employment ( $ XXXX at a XXXX ) and have been able to save. I am writing to ask if you would be willing to accept {$370.00} as payment in full. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please either e-mail or mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$370.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: FL

Complaint narrative:
I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by XXXX  XXXX XXXX XXXX in the amount of {$370.00}. Since I was laid off during COVID, the layoff caused me undue hardship and I was unable to take care of the debt owed. I have finally found employment ( $ XXXX at a XXXX ) and have been able to save. I am writing to ask if you would be willing to accept {$370.00} as payment in full. I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. If you agree to these terms, please either e-mail or mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$370.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.

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 2021-11-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NV

Complaint narrative:
My complaint : The Credit Card Accountability, Responsibility, and Disclosure Act of XXXX is a federal law designed to protect credit card users from abusive lending practices by card issuers. primary goals are the reduction of unexpected disclosure On XX/XX/XXXX I check my balance of my newly activated Nevada Way2Go Unemployment Debit Card. I had a balance of {$3500.00} as I was saving for transportation. Totally unexpected the public transportation here in XXXX, Nevada XXXX - employee went on STRIKE for the second time this year! Every one was scrambling, abandon and left with no transportation home or to work! I thought wow I glade I saved my money- NO MORE RELIABLE ON PUBLIC TRANSPORTATION! I located a motorcycle I counted on cash discount sale- HOWEVER THE BALANCE WAS {$0.00}!!!! I tried every number on the card, flyers, website - none of the numbers provide allow you to talk with a live person! I went to XXXX  website- same phone number. WHAT IS " Return of Unpinned Deposit CARD ENDING XXXX Good Evening XXXX XXXX Monday, XX/XX/XXXX XXXX XXXX Claimant ID : XXXX XXXX ( XXXX ) XXXX '' IN THE MIDDLE OF A PANDEMIC AND A CITY WIDE PUBIC TRANSIT STRIKE!!! Proof I CALL XXXX, email, Fax - see attached confirmation numerous attempt to contact ANYBODY for help to get funds back or a new card, etc. No response as of today. This pandemic is NOT OVER, AND there are plenty shortage. I just need my money- Where is the disclosure! Where is the protection! The CARD Act mandates consistency and clarity in terminology and terms across credit card issuers. SO WHY ISN'T IT CLEAR HOW TO CONTACT THE CARD ISSUERS FOR CLARITY AND HELP! ITS A " BIG DECEPTIVE and ABUSIVE HARDSHIP on a RIGHT to ENJOY LIFE practices by credit card issuers! 
Cc : Governor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: SC

Complaint narrative:
Flagstar knew the amount of our taxes due to the adjustment we received the first year of our home. They said we missed payments which is not true and they sent a letter stating we were short on the escrow. The letter stated we owed almost XXXX. Flagstar raised are mortgage twice and the last was at almost XXXX and when i spoke with them due to the concern of it not being applied to the escrow. They were applying our payments to the apr and not the escrow amount. We were threatened with default on several occassisons and forced to do a loan modification. They have not sent any error letters on thier behalf, no apology and no refund. We had a VA mortgage and they caused us to go delinquent and have charge offs on our credit due to having paid almost XXXX for about 7 months. I have documentation and proof of the document I requested from our county the amount due was only {$1700.00}. They have caused us financial ruin and took advantage of us being newly retired from the XXXX. This shouldn't happen to anyone and i will be following up with the documents to the VA. We have a XXXX XXXX XXXX and spoke with the military personal financial management and are considering seeking an attorney. We payed over XXXX and still had to do a modification. We were forced.Not only were we forced to pay almost {$4000.00} but also {$2800.00}. All the documents you will find enclosed.

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 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo issued a secure card in XXXX and took {$1000.00} deposit - After good management they made the acct unsecure and issued refund of the {$1000.00} ( see attached noted ) stating refund would be deposited into CHECKING ACCT " within 30 days '' - it never happened- the next month an unquiry was made and I was told it was send as a check. 
- 6 weeks later after an inquiry... they cancelled the check ( lost? ) - they gain claimed they issued " another direct deposit into my checking '' ( no record of pending deposits whatsoever for ANY deposits were found ) ) - stated 3 weeks later " That deposit was rejected stating " acct 'closed ' " ( it never was I use it every day ) XXXX checking wells fargo - They said a new check was issued but cant confirm it - They again claim the check was cancelled. Some say it was never issued Some say " its on the way '' - after 6 weeks, no check came - Now I have to hire a notary and 2 witnesses to say i never got the ( cancelled ) check - some say they tried direct deposit, some say no, i need to go through a lengthy investigation - case # XXXX was third inquiry with not resolve whatsoever - Every inquiry ends with a completely different explanation... there has been no clear status for months last call XX/XX/XXXX XXXX Department advocacy `` an affidavit must be filed to cancel the check '' " any other way i can get my money? '' " no '' she transferred me to mortgage department call before that was complete opposite facts call before that was complete opposite facts its been about 6 months with no resolve after 3 cases and no callback my accts have all been pristine with no overdrafts, late payments or problems whatsoever im bedridden with XXXX XXXX  XXXX XXXX and can not hire care without my money this issue has now become medically urgent i cant cancell accts or go to bank .... im completely XXXX and home alone

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 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC
State: IL

Complaint narrative:
On XX/XX/2021 ATG credit has added a derogatory mark on my credit report. After further investigation and research, the debtor could not provide original contract nor signatures. This account has transferred/sold and I am and have NEVER been responsible for the accounts. Debtor 's creditor did not verify this collection with me! There hasn't been no form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt as anyone can send a bill saying its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer ONCE AGAIN and I am requesting legal action to remove this account from ALL THREE CREDIT BUREAUS. Additionally, this company has responded to my most recent complaint irresponsibly, accusing me of the person who may have stole my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation