vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
On XXXX XXXX, 2024 I reported to Western Union that my personal email address had been used to create an account that I did not authorize or create. I received a case number and and email from Western Union showing the account under my personal email address was deactivated. I also reported my mom 's personal email to them because the email I received showed her name on it. I was told there was no account under her email, just mine. I thought this would be the end of it. 

On XXXX XXXX, I received 8 emails from Western Union to my same personal email address. They showed the account was reactivated, the profile changed, and a money transfer had been completed. I called Western Union again and had them deactivate the account linked to my personal email address for a second time, but not before someone had used it to wire {$3400.00} out of my mom 's checking account. Western Union is now claiming that on XXXX XXXX, they deactivated an account linked to my mom 's email address rather then mine. I have email to my address showing that they deactivated the account I reported. Either way, they claim they are not able to refund the stolen funds. 

Though my mom 's bank has agreed to refund her the loss, I am making a complaint against Western Union for complete and total incompetence and failure to act on a fraud claim. My mom and I are not Western Union customers nor do we plan to be. I stated as much during my first call on XXXX XXXX, and that any activity pertaining to our email addresses and names should be shut down. They failed to act on that. If Western Union can't provide better protection to consumers, especially when they had a warning, they should lose their license to transact business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Once again within seconds experian closed 1 complaint while working on another, LUE THEY ARE DOING NOTHING BUT STALL AND GIVI G XXXX  EXPLANATIONS

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had a Citi Advantage Platinum Select World Elite Mastercard. I closed the account early last fall. I cancelled a vacation and XXXX provided a refund. I didn't realize the refund was going to this closed account. I logged into my closed account to see that I had XXXX refunds from XXXX XXXX, XX/XX/XXXX, & XXXX. When I realized this had happened I contacted Citibank and they assured me that they would transfer the money to the checking account from which I had paid my credit card bills. They said this would take 3-5 business days. I did not receive the money so called back on Monday XX/XX/XXXX. I spoke with someone who said the refund had been approved but because of the holiday on the XXXX, I would receive the money on XX/XX/XXXX. I did not receive the money on XX/XX/XXXX so I called again on XX/XX/XXXX. At that time, I was told that the refund had not been approved so they would need 3-5 business days to approve it and then 3-5 business days to transfer the money if the refund was approved. I asked to speak to a supervisor and explained to her what had happened. She was professional but couldn't help. I asked to speak to her supervisor -- she said her supervisor would call me back within 24-48 hours. This did not happen. I just logged into my account again and saw that I now also have a refund from XXXX to this card. I had requested that XXXX send the refund by check. I just called XXXX and they said that now that the refund has been processed, there is nothing they can do. Currently, I am owed {$8300.00} by Citibank. They have had the majority of these funds since XX/XX/XXXX. I really need access to this money and they have not done any of the things they said they would do. I would greatly appreciate assistance. Thank-you.

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 2024-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
My issue started yesterday, XX/XX/. I was trying to log into Venmo via my desktop device and had to reset my password because I had forgotten what the original password was. After following the prompts and successfully resetting it, I then attempted to login on both my desktop and XXXX app to no avail. I kept getting error codes reading " XXXX XXXX : Unable to complete your request. Please try again later. '' After multiple password reset attempts, the errors remained the same. 

At this point, I tried to contact Venmo 's customer support. Their phone number only rerouted me to their customer support site which suggested articles to help solve the issue. There are no customer service representatives that I've been able to talk to or be assisted by directly. None of the articles address this specific issue. I ultimately sent a response back via email to their customer support requesting further help. It has been 24 hours and I have not received any response back from them, and am still completely locked out of my account. What's worse is that my account currently holds {$420.00} that I'm unable to access due to this situation. It is frustrating to say the least, and I've been reading other stories online from people who've encountered the same problem with Venmo and there is no concrete solution that has been offered, other than to issue a formal complaint here through CFPB. I don't know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/XXXX I called USAA because I tried logging onto the app to access my funds, and it said my account was locked. I called the same day and they had me submit my ID to a USAA website and said they would call me within 24-48 hours. 

On XX/XX/XXXX, I called USAA again because I hadnt received a call and I asked to speak to the fraud department or another department and they told me that the fraud department did not have a phone number and that I would just have to wait and that there was nothing they could do. I had bills to pay. 


On XX/XX/XXXX I called again because I had not received a call and requested to know why my account was locked and still was not given any information and was told there was nothing they could do. 

On XX/XX/XXXX, I called again and was told it could take 6-10 business days to hear back, a stark difference from 24-48 hours. Still did not receive any information and could not reach another department.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC
State: NE

Complaint narrative:
Sent a dispute letter to Revco on XX/XX/XXXX. It arrived at the company XXXX XXXX XXXX XX/XX/XXXX. This company should have received this letter and they are supposed to stop trying to collect until they send me information that shows the debt is owed. A phone call was made on Monday XX/XX/XXXX seeking to speak with XXXX XXXX. This company has not ceased collection after receiving a dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I have a XXXX account where it uses FiServ to process payments to my bills on XXXX XXXX. FiServ allows deceptive practices to occur with it's clients, as to what is offered. When I investigated a late payment it was found to be decisioned to pay by a physical check based on the monetary value of the amount being sent, allowing a large bill to be processed in a different time frame which actually delays the payment and has a higher potential for being late and incurring fees and late charges. As a user of the system there is no way to know ( or for the Bank to lookup ) a dollar amount to see which pathway the payment will travel ACH 2-3 days and physical check allows for due date - 4 business days.There seems to be no accountability, as the blame was " XXXX credit card selected that option through FiServ ''. I believe it is up to the company offering the product to NOT allow deceptive or confusing billpay options to its clients and end-users.I believe this may be a a loop-hole that was set up to accommodate different scenarios but is instead allowing a profit from deceptive practices and really puts the end-user at a disadvanatge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
There was a fraud claim between two people neither of which are my wife or I. It was settled and the money was taken out of our account wrongly causing us to be overdrafted and black marks on our credit report. The fraud case between these people took place prior to us ever having an account with Bank of America. The multiple times weve contacted them all they do is pass us around and tell us its been settled. I understand mistakes happen but their unwillingness to correct this mistake in my opinion has become criminal theft

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 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I apply for a loan. And I got less than what I apply for because they so told me that the previous loan they attached to it and added it up with the current amount. And told me that even though I apply for a certain amount. It goes against what was already old. However, I still have to pay the full amount on which I apply for and I think that that is wrong. If I didn't get that full amount. I shouldn't be having to pay for something that I did not receive. And they're making me pay an extended amount of money when I didn't get all of the money in which I pay for they're taking it off of a total that was already pre-existing and I think that that's wrong not a fact I know that that's wrong. Cause I should not owe one man financial as much money as I owe tXXXX  because I did not get that in en cash. They took off what I was able to get in there. Mine in their words and what I was able to get for the loan in other words. They said I was able to get {$13000.00} when it was all said and done. They added that they added it towards and took away from what I already had on my account there. 
And I don't think that that was right. In {$13000.00} it's not what I got nowhere near think. I borrow light probably in a sum of I want to say it was like XXXX or {$6000.00} saying I'll own {$13000.00}. From the collateral of my vehicle was put up, but they never gave me that much in cash. The first or the second time, it's left me owing a lot of money to you all. And I think that's unfair. And that loan will never be paid off. They got me owing a 120 %, that makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I am resubmitting this complaint to TRANSUNION regarding the presence of fraudulent accounts on my credit report. Despite previously filing an FTC report with the identity theft report number XXXX, I have observed that these fraudulent accounts persist on my credit report. I had hoped to rely on TRANSUNION to safeguard my information and furnish accurate credit reports. Unfortunately, my credit report continues to contain multiple inaccuracies, including erroneous balances, dates of late payments, payment statuses, dates of last payments, and violations under FCRA policy and CFPB rules, particularly concerning XXXX XXXX. To support my case, I have once again attached the FTC report along with a detailed letter of explanation outlining the reasons these accounts should be rectified or removed from my files. I appreciate your prompt attention to this matter and trust that TRANSUNION will take the necessary steps to address and rectify these inaccuracies promptly.

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 2024-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: VA

Complaint narrative:
XX/XX/XXXXI made a purchase for a XXXX  website. The company scammed me and did nothing. They just held my money. I filed a dispute with chime and it's still being verified to this day. I have finally gotten a response from the scam merchant and they told me they'll be refunding my money to my account. I informed chime of this and even attached the chat the merchant and I had about this and chime is still not reimbursing my account. They told me it's gon na take until XXXX. I can't wait that long. Chime is a horrible bank I will never recommend them for these reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I opted for overdraft protection with my financial institution Regions Bank, and elected to use my savings account as backup in the event of overdraft. Now I have my payroll check direct deposited so they are assured funds will be coming to them. However, it keeps happening where they are charging me a fee of {$36.00} for each transaction, which are mostly for lesser amounts than their fee. And just recently I was charged a whomping {$100.00} on the same day my deposit landed. I have tried speaking with the bank about this issue because its costing me an excessive amount of extra money that I just don't have to give away. I implore someone to help me with resolving this matter and helping me with avoiding the loss of so much money by means of what I feel is a very unfair practice.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Financial Solutions Group, LLC
State: FL

Complaint narrative:
XXXX XXXX  notified me about a credit card problem. Believe now it was pushing call. Connected me to case manager at National Protection Bureau talked debt settlement and connected me to Financial Solutions Group. XXXX. 
Spent hour on phone talking to XXXX XXXX XXXX. He transferred me around and then disconnected. 
I then got a call from XXXX at XXXX XXXX XXXX in NJ XXXX. She said I referred to them, not sure by whom. I explained it all to her. She felt that I was scammed.

Company response to consumer: Closed with explanation