vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
On or around XX/XX/2021, my account at Western Union was breached and XXXX unauthorized transactions were made to XXXX from my bank account, via Western Union without my permission or knowledge. 

On checking my bank account, I realized the transactions were fraudulent and not authorized by me, so I contacted both my bank, XXXX XXXX and Western Union to inform them of the situation. Both of these agencies acknowledged there was fraud committed with respect to my account at Western Union and returned money for XXXX transactions, however, with respect to XXXX transactions of approximately XXXX each, they have not paid me, hence I lost XXXX due to the negligence of both of these companies. When I called both of them, they keep pushing me around and XXXX XXXX said it has to be resolved by Western Union and Western Union says it is XXXX XXXX who is responsible to reimburse the XXXX. 

Sir/Madam, I did not do anything wrong to be bullied out of XXXX by XXXX unscrupulous companies, who I entrusted with my bank and personal information, but allowed hackers/ fraudsters to access my information to steal my money. It appears that the XXXX was paid by XXXX XXXX for XXXX fraudulent money transfers which was actually paid to XXXX people in XXXX, and they dont want to accept liability for their inadequate security measures and has made me pay for their negligence and incompetence. 

Some transaction were done in my name from XXXX, where a bank account was created to receive money from my Western Union account in the XXXX. My account at Western Union was used without my permission to do those transactions. I could have been a victim of identity theft, and neither Western Union or XXXX XXXX contacted me of suspicious activity on my accounts with them. How can XXXX transactions with some identical amounts to and from XXXX by someone who lives in the XXXX and never sent money to XXXX did not warrant security verification. 

In closing, I would like your agency to investigate this issue expeditiously so I can get back my XXXX dollars which was taken from my XXXX XXXX bank account to pay Western Union for fraudulent and unauthorized transactions..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Last XXXX, I applied for a home equity line of credit on my house. The bank ( XXXX ) informed me that I had a collection on my account being reported by XXXX ONLY. It was an collection with " XXXX XXXX XXXX '', and the original creditor was Bank of the West. I called and told the debt collector I have never opened an account with that bank, and they told me the account was opened in XXXX. I live in XXXX  and told them I have only been to XXXX once - 7 years ago when I visited for 3 days for a wedding and I didn't open any accounts or apply for debt. I filed a dispute with XXXX and it was quickly resolved and removed from my credit report. I applied for another mortgage last month with XXXX XXXX, who told me XXXX and XXXX are now reporting this fraudulent collection AND MY CREDIT SCORE DROPPED FROM XXXX TO XXXX. I filed disputes with both XXXX and XXXX and they were both denied. I have worked my entire life for perfect credit, and now this fraud is ruining all my hard work. It's not fair. Please help me, this will cost me lots of money as this new mortgage will now have a rate .5 % higher, due to no fault of my own whatsoever. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: NY

Complaint narrative:
I successfully paid the {$8400.00} to my XXXX XXXX credit card in XX/XX/XXXX ( the payment confirmation from XXXX  XXXX is attached ) but XXXX XXXX wrongly missed the payment ( the payment activities from XXXX XXXX are attached ) and intentionally ignored all my disputes with that missed payment, and then wrongly added delinquency to my credit report. 
I have disputed the wrongly added delinquency with Experian on XX/XX/XXXX ( the dispute receipt is attached ), and now I am still waiting for the reinvestigation result from Experian. I submit this dispute at CFPB to ensure that Experian will not be deceived by the fraudulent documents and claims from XXXX XXXX and will conduct thorough reinvestigations to correct the wrongly added delinquency in 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 2022-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-21 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: AL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
An automatic payment was set up in XXXX for an amount of {$1700.00} on a XXXX credit card. The first automatic payment was scheduled for XX/XX/2022. On XX/XX/2022 I noticed that the amount had still not been withdrawn from my checking account. No notice ( via e-mail or push notification ) of payment failure or payment due was received on or after the due date. Signing in to my account I find that the autopay had not only not occurred but had been entirely erased. The option to set up automatic payments was gone entirely and I had been charged a {$29.00} late fee for their negligence.

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 2022-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
XX/XX/2022 : My XXXX Card administered for XXXX XXXX by Goldman Sachs Bank ( " Marcus '' ) repeatedly on more then one occasion places erroneous interest charges upon my XXXX XXXX  by Marcus despite the fact that I always pay the amount due prior to the due date to avoid any interest charge or late fees. 

On XX/XX/2022 at XXXX XXXX XXXX  : I spoke with customer service representative : " XXXX '' = phonetically " XXXX ''. 

XXXX informed me that she could not understand either why I was charged {$17.00} in interest because my amount due was paid timely before the XXXX due date. XXXX informed me that she will request that the {$17.00} be removed from my XXXX Card in that no interest is due. 

I asked XXXX to have a Manager phone me and she stated that she would. 
No Manager ever phoned me. 

Instead I received an email erroneously and inexplicably stating : that the interest charge " is correct '' with no explanation : because there is no valid explanation it is a specious and fraudulent interest charge by XXXX Card by Marcus. 

I paid the amount due prior to the due date and XXXX Card by Marcus is fraudulently placing interest on my card as stated above. 

On the prior statement to the above : XXXX Card after my speaking with a Manager told me to pay : {$970.00} because a charge was in dispute so this would be my " total due ''. I timely paid the {$970.00} on time as informed by a XXXX Card Manager by telephone : and then XXXX Card charged me {$6.00} interest despite their " Manager '' informing me this would be the " total '' due to avoid any late charge and/or interest charge. Despite the immediately preceding XXXX Card charged me {$6.00} for interest that is specious and an illicit charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: PNC Bank N.A.
State: CO

Complaint narrative:
I have XXXX negative accounts. on my credit report. One is XXXX XXXX Bank. Credit account amount for The XXXX # is XXXX. It was opened on XX/XX/XXXX to XXXX XXXX The balance is XXXX as of XX/XX/XXXX. It still shows open. I believe someone opened this account using my information In XXXX of XXXX. To open card because I never used this card. Please remove from my credit report. The other one is PNC bank opened up XXXX of XXXX. The account number is XXXX ... .Closed on XXXX of XXXX It is showing Paid/closed on the report. The account number is It still shows open. Please remove this account from my report. 
Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21 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: AES/PHEAA
State: IL

Complaint narrative:
On my credit report with FedLoan it shows I have XXXX accounts/ loans. 
My loans have been in forbearance and/ or a {$0.00} payment re-payment plan. 
My account shows that the loans were late but I never had a payment due because I didnt have a payment. 
I have spoken to FedLoan many times and they said that they can not undue the mistakes that someone else made on my account because they can not verify what that person said. But the fact of the matter is I never had a payment to make. 
I have requested that the three credit bureaus investigate the accounts many times but the accounts are never corrected and the late/ missed payment reporting still shows. 
Now that the account is closed I can not do anything. 
This information is hindering me from be able to securing funding and operate my business. 
In accordance to 15 U.S.C. 1681a 602a the information furnished and being reported is inaccurate and causing tremendous burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, Equifax has violated my rights, by reporting credit accounts on my credit profile that are against the FCRA Laws. 

XXXX XXXX XXXX XXXX XXXX delete account XXXX XXXX XXXX XXXX XXXX delete account XXXX XXXX XXXX XXXX XXXX delete account XXXX XXXX XXXX XXXX XXXX delete account XXXX XXXX XXXX XXXX XXXX please delete account XXXX XXXX XXXX XXXX XXXX please delete account XXXX XXXX XXXX XXXX XXXX please remove late paymentXXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove late payments 15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-21 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: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance to the Fair Credit Reporting Act, Equifax has violated my rights. They appear to have modified the public record they are maintaining with intent to cause me financial ruin. As of today, they are in violation of the following : 15 USC 1681 Section 602A : Consumer has a right to privacy 15 USC 1681 Section 604A Section 2 : CRA can't furnish information without written consent 15 USC 1681s-2 : CRA continues to report with actual known errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: CA

Complaint narrative:
I am a natural person, I am a living human being, i have the rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have 3 cases in XXXX Municipal Court - Small Claims where defendant received service on lawsuits at addresses I didn't reside at. I attempted to vacate the judgements but the court denied all 3 motions. I don't know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I have 2 negative accounts. on my credit report. One is USAA Savings Bank. Credit account amount for The XXXX XXXX XXXX XXXX. It was opened on XX/XX/XXXX to XXXX XXXX The balance is XXXX as of XX/XX/XXXX. It still shows open. I believe someone opened this account using my information In XXXX of XXXX. To open card because I never used this card. Please remove from my credit report. The other one is XXXX bank opened up XXXX of XXXX. The account number is XXXX ... .Closed on XXXX of XXXX It is showing Paid/closed on the report. The account number is It still shows open. Please remove this account from my report. 
Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
They have placed this duplicate charge on my credit ( the same amount twice ) which I have advised them of this more than twice, did a dispute thru XXXX, now XXXX and they still won't correct. I have explained each time to them their error, that it is affecting negatively my credit score and begged them to fix it. They still will not fix it. 


STERN RECOVERY SERVICES COLLECTION/CHARGEOFF Other {$600.00} STERN RECOVERY SERVICES COLLECTION/CHARGEOFF Other {$600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have been a credit card customer of Citibank for around 15 years, and my credit score is excellent. Then, on XX/XX/XXXX and XX/XX/XXXX of 2022, I just received different emails from Citibank telling me that my credit cards were closed without providing any additional explanation or period to solve any issues. 
My complaint is that Citibank did not provide me with a warning period to keep my credit cards open ( one of them was my oldest credit card on file and closing it had a negative impact on my credit score ). Also, I am complaining because Citibank did not provide any explanations for closing my accounts.

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 2022-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act account XXXX XXXX account # XXXX collections has violated my rights .This is not my account and needs to be deleted from my credit report. and was done under my name without knowledge. Im going through XXXX with my wife and trying to buy a home. This is affecting us heavily. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.Ive also filed theft report to have matter deleted and previous cfpb complaint.

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