vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
On XX/XX/21 I was sending {$100.00} to XXXX using Western Union. And one of the choices to pay for it was by credit card for a fee of {$2.00} and there was no warning of any other fees or interest associated with the transaction. So sent the money over, but my credit card XXXX XXXX  charged me for the transaction additional {$10.00} ( {$10.00} for cash advanced fee and {$.00} for interest in it ). Even a transaction type they said it " Purchase '' per attached document, not " Cash advanced. It is misleading. I contacted the bank and Western Union to waive the fee because they did not state or informed me that there will be one, but they refused to refund it. Please help me to get {$10.00} back. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Hi I submitted and described the problem. Even spoke to one of your representative, who was very helpful

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX XXXX XXXX, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX Account # XXXX. In that month, I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified and inaccurate account as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried 3 times to get this issues fixed with Experian each time they reply with the information being verified and investigated when it hasn't been. I have contacted the collection agency ( XXXX XXXX ) that is being reported to my credit. I asked for a debt validation they couldn't provide it and have stopped all collection activities so I asked for it to be removed from my credit. Yet Experian keep saying it valid when it isn't the company cant even prove the debt is mine.

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 2021-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centron Services
State: MT

Complaint narrative:
putting the wrong name on a medical debt. i received a letter from credit systems stating i owed a medical debt to XXXX XXXX XXXX XXXX, for XXXX i am disputing this i do not and never have had a medical bill with XXXX XXXX XXXX XXXX montana for XXXX XXXX XXXX of credit systems sent this bill out addressed to me, when this is not and never has been my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MO

Complaint narrative:
PNC AND does nothing after reporting that {$4000.00} came missing from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
This began last fall. I have USAA for checking, savings and insurance. I used to get a text message when they noticed something possibly awry. Last fall that stopped, XXXX, I believe. They saw something they thought suspicious, sent me a text which I never got, then deactivated my card, which I found out at a store the next day. I called, found I could not register my phone, they use a XXXX digit short code. I worked with my phone carrier and verified I can receive short code messages, no numbers are blocked. I have spent more than XXXX  hours on the phone with USAA. They keep telling me they can fix it, last call was XXXX weeks ago, I was supposed to hear back, never did so I called today. They closed the ticket as resolved, they've done that before too. It is NOT resolved. The representative tried to send me a text and couldn't, that is not resolved. Had me switch to other methods but all XXXX involves a text message which I can not get from them. I have to use email, that is NOT convenient. I've more than {$70000.00} sitting with them and I NEED to be able to get text messages. This latest representative said she'd reopen a ticket and in the process of doing that, disconnected and never called back. So I searched these problems with USAA and found your process. I'm going to file a XXXX complaint too. I may well move my money to a bank that actually cares about their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valley Credit Service, Inc. (OR)
State: OR

Complaint narrative:
I am having an issue with Valley Credit out of XXXX Oregon. They are collecting on a debt that is already paid through garnishment from my employer. The total garnishment was for XXXX XXXX I will list out dates of payments below. Valley Credit stated they never received payment on XX/XX/XXXX of XXXX and garnishment me again on XX/XX/XXXX including an additional XXXX $ in fees. My employer stated they sent a check to the company in XXXX for the XXXX and reissued another check for them on XX/XX/XXXX in which the company cashed totalling the XXXX with check number XXXX. I spoke with Valley credit on XX/XX/XXXX to which XXXX the account holder stated they had not received payment, and to speak with my employer. It wasn't until XX/XX/XXXX that my employer provided me with a check number. I reached back out to Valley credit and she stated that they ended up received the check from XX/XX/XXXX issue date after we spoke on XX/XX/XXXX and that I am still responsible for the reissuement of the garnishment fees. Someone needs to investigate this company. They are practicing unfair collection rights in obtaining moneys that have already been paid. I should not be responsible for additional fees as my employer has already paid them. They are unwilling to work with people or even contact people letting them know they have a debt prior to any type of garnishments. They are only interested in collecting additional fees. I need this issue resolved and I need this company investigated in result of unfair business practice and collection attempts. 

XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
I contacted Toyota Motor Credit Corp explaining that I never received a Notice of Disposition which is federal law UCC 9-611 ( B ). Toyota responded with a letter that I Disputed the accuracy of the account and that's not what I asked them for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Gm financial is under my fathers bankruptcy with his wife. It shows up on my credit with no movement so it looks like I owe XXXX and I dont. I have nothing to do with this. XXXX XXXX and XXXX removed it but XXXX does not. I sent proof that it was under my fathers bankruptcy and the company still doesnt want to remove this from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield is contacting me in violation of multiple laws under 15 USC, Chapter 41. See the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I notified Mr. Cooper mortgage on XX/XX/XXXX to obtain payoff amount as I am selling. I was subsequently sent 6 different payoff quotes over the next 2 weeks back to back. My principal balance was {$32000.00}. Lender paid expenses were initially {$1100.00}. I began to receive payoff information back to back, and the principal stayed the same and my Lender paid expenses jumped to {$8900.00}. This company has had my mortgage for less than 2 years. 
I contacted them and was told on 3 different occasions that they don't know what the fees are for. One woman told me it was for the payments deferred for the Covid forebearance. They also stated they adjusted the dates for the time the forbearance began, which was XX/XX/XXXX. They back dated the start date to XX/XX/XXXX. I never contacted them for forbearance program until XX/XX/XXXX. 
Mr. Cooper support woman stated they " probably added the months of forbearance to lender expenses. They simply multiplied my monthly payments times 12 and added it to my payoff, which isn't correct as I only had the forbearance for 6 months. This brought my payoff amount from {$32000.00} to {$41000.00}. They informed the title company handling the sale of my home payoff is now over {$42000.00}. This is theft. I was advised they will also be keeping my escrow balance of {$2000.00}! Mr. Cooper is a predatory lender who bought my loan. There is no way they should be allowed to add {$10000.00} to my payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
As soon as we were impacted from the COVID-19 Pandemic, we reached out to the banks of our loans for COVID relief. 

TCF Bank in Minnesota refused, reported negative marks on my credit and harasses us with calls and emails, including former employers. They even updated their payment website in the middle of the pandemic forcing its customers to re-submit their account information. TCF Bank charged late fees when we were unable to make a payment using their previous system and their new system was down for 2 months ... claiming due to COVID19!! 

We requested in voice mail ( they are not available when you call in ), email and fax ; including providing documentation that is not required by Federal, our State or any other Forbearance plan that can be found. 

In XX/XX/XXXX, we were able to resume payments. However, we are still in an email battle with XXXX XXXX ( Retail Loan Supervisor ) without any relief. They claim " you have to call us and we fill out a form on our end, you can not submit the form yourself ''. This form asks for documentation not required by CARES or other Forbearance. We provided without the call as we can not connect on the phone. 

This is clearly a method to extort late fees from customers. 


Also note, this same bank received almost {$400.00} XXXX in us tax dollars from a government bailout back in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: DC

Complaint narrative:
I was informed by XXXX on XX/XX/2021 that Sequium Asset Solutions had placed a Debt Collections notice on my credit report ( filed on XX/XX/2021 ). 
-- Report # XXXX -- Acct # XXXX I have never received any notice from any creditor or company about this matter. The notes in XXXX placed by Sequium Asset Solutions resulted in an immediate 125 point reduction to my credit score. 

Sequium erroneously filed claims with all three credit rating agencies that I owe {$1800.00} for an account opened on XX/XX/2021. 
-- No details or proof of purchase for this claim have ever been provided or even mentioned to me by Sequium or any other party/company. 
-- By the way, the emails and pop-up adds from the credit reporting agencies when one begins the dispute settlement processor are also unsettling and unhelpful as they seem to imply that debt collector must be correct and that it will likely lead to a protracted dispute process. Then they barrage the person disputing with numerous expensive services. 
-- A note on one credit report seems to connect the action by Sequium to services by XXXX XXXX XXXX. For the record, please note that I have not used any XXXX XXXX XXXX service or product for more than 20 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX phone XXXX DOB # XX/XX/XXXX SSN # XXXX DL # XXXX. I have a car loan with Credit Acceptance XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX XXXX. I purchase my vehicle last year XX/XX/XXXX. I have made on-time payments since I opened my account. My account is now closed since I settled it for {$1000.00} on XX/XX/XXXX. My vehicle was totaled on XX/XX/XXXX and insurance made a lumpsum payment of {$10000.00} on XX/XX/XXXX to close out my loan. Before my accident, I made every monthly payment on time for $ XXXX/month until XX/XX/XXXX. After my insurance payment on XX/XX/XXXX, I still had a remaining balance with this creditor that I agree to settled the account in full of {$1000.00} paid on XX/XX/XXXX. I disputed my balance with XXXX  stating that the balance was inaccurate and also that this creditor has never reported my balance accurately since I opened the account. When I received my dispute results back from XXXX on XX/XX/XXXX Credit Acceptance had reported the balance still inaccurate and also reported my account as 60 days past due! I have never missed a payment and also have made all my payments on time. I contacted Credit Acceptance on XX/XX/XXXX to advised the inaccurate reporting and ask them to show me where I missed a payment and a supervisor name XXXX advised me she does not show a missed payment on my acct. She did email my information to the Credit dept team and asked me to wait for 1 week to get a callback. I accepted this loan because this company was supposed to help me rebuild my credit and instead all they have done is report my information inaccurately to affect my credit negatively. I don't understand how is that they can report false information and there's no penalty to the creditor but as for me as a consumer I will be affected negatively. This reporting of 60 days late has a huge negative impact on my credit. I agree to settle this account and close it out so I can get into another vehicle unfortunately that is not the case now since they have falsely reported a payment missed 60days late on my report that will cause me to not be able to get into another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XXXX our Chase card had fraudulent transactions committed on it and we were made aware via text. I stated that these were not my charges and the card was immediately closed. The following few days additional charges appeared. 

XX/XX/XXXX a charge was put through by a XXXX for XXXX. 
XX/XX/XXXX a charge was put through by XXXX for XXXX. 

I had to make subsequent calls in XXXX to again have these charges removed. 

On XX/XX/XXXX these charges once again appeared on my card. I had to call into Chase again to get them removed. The charge for XXXX was immediately taken care of with no questions. 

The charge for XXXX this time they are telling me that i have to submit additional information ( which i did on XX/XX/XXXX after speaking to them ) as they stated after investigation they thought i made this charge - it is not in our order history and does not link to our account. 

I have not been contacted or told any of the resolutions of these items, i can not speak to a supervisor and am never given the same person again to handle my case. I will be closing my account with chase, and wanted to report this as although i have received my money back, if i had not be vigilant in watching my account, i would not have noticed this and they never provided me information back that would allow me to dispute their mistake ( the XXXX charge ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX incorrectly reported my name to the credit agencies as XXXX XXXX XXXX when it is XXXX XXXX XXXX. This happened months after I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Additionally on their XXXX product they still continue to list me as " XXXX XXXX '' despite my repeated attempts to fix it. After this happened my credit score showed up in XXXX a whole XXXX points below that shown on my TransUnion credit report. The only change during that time was my name. I suspect that I will not be able to get a loan until this is fixed. 

When i contacted TransUnion they require me to physically mail copies of identifying documents to them to get my name corrected in their system. I assume that XXXX XXXX didn't have to mail paperwork for their mistake to carry over. TransUnion has also told me that XXXX XXXX has to fix things on their end. 

I have discovered that XXXX has that fictitious name on my report as well. I have not attempted to contact them yet. 

My basic complaint is that XXXX XXXX blames TransUnion while TransUnion blames XXXX XXXX  and NEITHER of them are willing to correct their unlawful mistake on my credit report in anything close to a timely manner. 

I am under the impression that this is a violation of Federal Law and if intentional may constitute discrimination based on my 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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX incorrectly reported my name to the credit agencies as XXXX XXXX XXXX when it is XXXX XXXX XXXX. This happened months after I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Additionally on their XXXX product they still continue to list me as " XXXX XXXX '' despite my repeated attempts to fix it. After this happened my credit score showed up in XXXX a whole XXXX points below that shown on my XXXX credit report. The only change during that time was my name. I suspect that I will not be able to get a loan until this is fixed. 

When i contacted XXXX they require me to physically mail copies of identifying documents to them to get my name corrected in their system. I assume that XXXX XXXX didn't have to mail paperwork for their mistake to carry over. XXXX has also told me that XXXX XXXX has to fix things on their end. 

I have discovered that Equifax has that fictitious name on my report as well. I have not attempted to contact them yet. 

My basic complaint is that XXXX XXXXXXXX blames XXXX while XXXX blames XXXX XXXX and NEITHER of them are willing to correct their unlawful mistake on my credit report in anything close to a timely manner. 

I am under the impression that this is a violation of Federal Law and if intentional may constitute discrimination based on my XXXX XXXX

Company response to consumer: Closed with explanation