vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
For a mobile transaction, this is your receipt. For all other transactions, this is a summary of your online receipt. 

Your tracking number ( XXXX ) is : XXXX Transaction Date :XX/XX/XXXX XXXX ET Payment Method : Card Number : XXXX XXXX Delivery Method : At any agent location in receiver 's expected payout location. 
Sender : Name : XXXX XXXX Address : XXXX XXXX XXXX City : XXXX State : NC XXXX : XXXX Phone Number : XXXX Receiver : Name : XXXX XXXX XXXX City : XXXX State : TAB Country : XXXX Expected Payout Location : XXXX, TAB, XXXX Payment Information : Card Type : XXXX XXXX Number : XXXX Expiration Date :XX/XX/XXXX Transaction type : Purchase Payout Information : Today 's Date : XX/XX/XXXX Date available in receiver 's country :XX/XX/XXXX Delivery Method : At any agent location in receiver 's expected payout location. 
Billing Summary : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Promotion Discount : - XXXX USD Total : XXXX USD Any promotion discount already has been applied Transfer Summary : Exchange Rate : XXXX USD = XXXX XXXX Transfer Amount : XXXX XXXX Total XXXX XXXX For all transfers, receiver may receive less due to foreign taxes. For transfers to a bank account, receiver may also receive less due to fees charged by the receiver 's bank. 

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days of the date we promised you that the funds would be made available to the Receiver at XXXX or https : //care.westernunion.com/us/en/ask You can also contact us for a written explanation of your rights. 

Subject to applicable law, you may cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited.
For inquiries or comments, please visit https : //care.westernunion.com/us/en/ask, e-mail Western Union or write to : Western Union Financial Services , Inc . 
XXXX XXXX XXXX, XXXX, CO XXXX or call : XXXX For questions or complaints about Western Union, contact : Consumer Financial Protection Bureau XXXX XXXX ( TTY/TDD ) http : //www.consumerfinance.gov/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX http : XXXX  Western Union also makes money from currency exchange. 

If your payment method is a credit or debit card please note card issuer cash advance fee and associated interest charges may apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Hi - I have tried calling all three of credit bureau's to put a freeze on my credit.  None of these companies want to assist me over the phone to put the freeze on my credit but instead are trying to push me to do it online.  I do not want to provide SSN numbers or other sensitive information online.  In addition, these companies are required to assist people over the phone.  The government organization's that oversee the bureau's need to be much more strict with these companies (just like you are with the banks) so they appropriately service their customers who make them millions of dollars each year.

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX, XXXX I used the Bank of America XXXX BOA ) online " Transfer '' system to transfer {$4000.00} to a person in XXXX to consummate a purchase of a car. I used the routing and account number supplied by this person. His account in with XXXX XXXX in XXXX. I called this person on XXXX XXXX to find out that the money was not transferred. I called BOA was told that the transfer did not go through because the routing number XXXX used was for a traditional " wire '' transfer and not the transfer offered on their website that I used. I believe it 's called an ACH transfer. Further, I was told because of the incorrect routing number that the monies would not and could not go through and to wait 10 days and the money would come back into my account. OK. So in order to finalize the deal I went to another bank and wired the money. XXXX complete. 10 days later I call BOA and was told to wait a few more days because it XXXX not be 10 days exactly. So a few days later I call back and was told that the transfer did in fact go through. Now this was supposed to be impossible. OK. I asked them to reverse it & get my money back. Could n't do that but they would submit a claim. I was also told, that it is possible that not even the original recipient may have my money because the wire routing number could be associated with a different bank account! I received a letter from BOA stating " We have completed our investigation of your claim. Our records indicate that we initiated the transfer in accordance with your instructions. '' Perhaps that is correct to a point, but they told me on the phone that it was impossible for the transfer to go through. XXXX BOA charged me {$10.00} for the transfer fee, so I am out {$4000.00} currently.

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 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had gone into the XXXX branch in XXXX XXXX NY on XX/XX/XXXX. To apply for opening mortgages for six properties in XXXX PA. XXXX XXXX was the mortgage broker I dealt with as well as his branch manager XXXX XXXX and XXXX XXXXd ( it had to be escalated to the VP of XXXX County ). He informed me that after he has all my information and paperwork required, he would run my credit. I said he may only run my credit ONCE. He made two hard inquiries on my credit, one with my knowledge on XX/XX/XXXX and the other without my knowledge on XX/XX/XXXX. All within almost a 30-day period. I had then received 5 commitment letters from XXXX XXXX and the loan processing office in Ohio, on XX/XX/XXXX. Which I signed all 5 letters and sent them back, that day. For some unknown reason, which XXXX XXXX did n't inform me, until the closing of the 4 properties. He stated, '' Lets close on these 4 properties, then we will close on the last one after ''. I asked why and he said, " It makes things easier ''. I complied with his 30 years of experience, he had made a point to tell me in the beginning of the process on XX/XX/XXXX. We only closed on 4 properties which took 5 months to close on. He never reached out to me to close on the 5 properties. I had to escalate it to the VP XXXX XXXX. I tried to explain to XXXX, the situation and sent him an email of my signed commitment letter. We had a few correspondences and he not to worry, we have your credit report on file for 120 days. XXXX got back to me on XX/XX/XXXX, telling me there is nothing he can do, the commitment letter has expired and they must redo my application over. I had him send me that in an email. I have not gone through with the application process again. I do not want to run my credit for the third time. I lost that property too. I have all supporting documents to support what I mentioned today.

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 2017-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I use a service called activehour which requires regular transaction updates on my account, many time Bank of American has failed to send those updates or have been sending them late.

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 2017-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo drafted {$600.00} from my savings account that listed my son on the account at the time this account was opened my son XXXX XXXX was a minor so I XXXX XXXX was the custodian under the XXXX XXXX. This draft was due to fraudulent activity that occurred on my son XXXX XXXX separate checking account where he is listed by himself. It was communicated to me that the bank had the right to draft the funds for the overdraft fees from the savings account because he was listed on the account. The claim with Wells Fargo was made on XXXX/XXXX/XXXX with a customer service rep by the name of XXXX who would not communicate her last name because she stated that they are advised not to give out last names, never the less she communicated that I could go and close the savings account where my son and I were listed together and all funds would be refunded to the primary account I asked the representative several times would the funds be refunded to the primary and I was assured that it would be, so here we are over 30 days later where the claim has been resolved my son primary checking accoutn is current and all of his funds are available to him and for some reason I have yet to receive the {$600.00} that was removed from the shared savings account. The claim that we made was approved and for some reason I have yet to receive the {$600.00} that was drafted from the savings. Now since then my son as well as myself have made numerous attempts to have this issue resolved only to continue to receive the run around and to be given multiple explanations as to why the {$600.00} has not been refunded. There was a deposit made into the account for {$1600.00} on the date of XXXX/XXXX/XXXX but only {$850.00} was made available to the account never the full amount of the {$1600.00} which means there are funds that still need to be disbursed and still I have no resolution from Wells Fargo as to were those funds are so by filing this complaint I am hoping to secure those funds that were taken away from the shared savings account due to fraudulent activity that has occurred on the person primary checking account.

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 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After the Equifax cyber security data breach was announced, I went to the Equifax Security 2017 website to enroll in free credit monitoring as my personal information may have been compromised. I received an email today from TrustedID XXXX today requesting that I verify my identity for the credit monitoring. When I entered the data on the website, the website said that there was an error and directed me to call a toll free number, which was not a working number.
I then called Equifax directly, and my call was disconnected. I am now concerned that the email from TrustedID XXXX was not legitimate but I have no way to verify this with Equifax. I was connected to a Equifax call center employee who told me that the TrustedID website was unavailable. This is ridiculous. The free credit monitoring that Equifax promised consumers to provide directs consumers to a website that is UNAVAILABLE to complete enrollment and the phone number on the website to call is n't a working phone number?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX, I received a debt collection notice for {$1500.00} for a closed XXXX cellular account. This debt, however, was paid via my Citibank XXXX XXXX XXXX on XXXX/XXXX/XXXX. Since I was set-up on " auto-pay '' with XXXX, they charged my XXXX on file - which I charged back with Citibank while the final amount/bill were in dispute. Upon receipt of the bill, I reversed the chargeback in full ( {$1500.00} XXXX with my Citibank XXXX and have a statement to that effect. 

I have contacted XXXX corporate no less than XXXX times via email, explaining the situation, providing statement copies and a transaction number - only to have XXXX tell me that they " never received the payment ''. I, however, paid my bill in full - including the charged back amount of {$1500.00} XXXX see attached XXXX and XXXX XXXX statements XXXX. 

I need Citibank to prove that this payment was released to XXXX in the amount of {$1500.00}, as I am being threatened with collection action. I paid my balance in full to Citibank, and the debt claimed owed is in fact not.

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 2017-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I got a letter in the mail saying that citi bank was trying to collect the funds

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 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Hello, I got an email yesterday from Equifax asking me to enroll in TrustedID XXXX due to the hack into my information. When I tried to enroll, it said that I was enrolled already. When I tried to login it gave me an error message and said to call customer service at the XXXX number. When I called, I got a message saying it is not a working number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
Hello my name is XXXX XXXX. I was behind on my student loan payments, because of medical issues with my daughter and myself. I called Navient to see what my options are to help me get back to an even balance. I entered into an agreement with Navient to be put on to an automatic withdraw to get me caught up. A number of months later my parents made a large payment to Navient, because of the XXXX of my grandparents and the inheritance they received, to bring my balance " current '' or back to XXXX. I continued to still make my monthly payments in accordance with the agreement as my monthly payment. For months my amount due has been XXXX, but i still have had my bank account withdrawn for the same amount. I called customer service to dispute the latest payment that was automatically withdrawn, and to see if I could get a refund. " This is not an option, because i entered into an agreement '' the customer service XXXX told me. The only option was to withdraw from the agreement for future payments. Needless to say I was upset. I know that I entered into an agreement with Navient, but the agreement was unclear at best. The agreement didnt end when my balance was current it was for an amount of time. I believe this is unfair to me, not because of the agreement, but because of the lack of information available to me about this agreement When calling customer services the automated message as well as the representatives continuously say you can visit XXXX for more information. This is untrue. After being on the website for hours, I was unable to find any information regarding my agreement, that I was on an automatic payment ( even though I had the option to enroll in automatic payment for the same loan ), There isnt even access to a future payment schedule outlining payments that are due and the amount. The only information on the website was my past payments and my current amount due, along with repayment options, and limited account summery. I believe I have been misled into this agreement. I would have taken the option to withdraw from this agreement months ago if I had any information made easily available to me regarding my agreement, payment plan, upcoming scheduled payments, but I couldnt find any of this information. I believe Navient is being intentionally vague, misleading, and making it extremely difficult to find important information. Navient does not care about their customers. I believe Navient is the biggest deterrent to the pursuit of higher education. This is even having me consider not sending my XXXX and XXXX XXXX XXXX daughters to collage unless they have a job that provides tuition reimbursement, because what little I am able to save for their collage, will not be enough. Im not writing this just for myself but for the countless others that could be struggling with the same problems I am. 
Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is with your company regarding the physical verification of the original document or contract with XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your company is required by law to validate proof of claim of as wells as method of how this account was verified. I have received NO documentation that this account belongs to me by your company. I have submitted documents advising of fraudulent accounts in my name. This is NOT a request for verification of proof of claimant mailing address however, I am requesting VALIDATION and PROOF OF CLAIM made pursuant to produce a contract. I am also requesting that your offices provide this physical proof as required by Federal law as this account is fraudulent error being reported by your company.

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 2017-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
On XXXX XXXX, XXXX I XXXX XXXX, Minnesota XXXX, signed a deal from Chrysler Financial at XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX. With that I also traded in my XXXX XXXX XXXX. 
Because I currently receive workmen compensation ( WC ) I was allowed to come back on Friday, XXXX XXXX to pay {$500.00} down and provide the paper copies of my WC payments I received in XXXX XXXX. 

When my temporary license plate paper expired on XXXX/XXXX/XXXX, I called the dealership to find out about my permenant plates. At this point, I was told that funding had not been completed on the bank side. I was asked to verify why my check stubs stated vendor payment? I then reminded the dealership of my WC and provided my doctor 's note. 

After not hearing anything I was then contacted by the dealership XXXX/XXXX/XXXX stating that the bank needed tangible verification of my child support ( CS ) payments verses the screen shot I had sent. I then emailed over the my scanned paper statements for my CS payments that day. 

On XXXX/XXXX/XXXX, I was again contacted by the dealership to provide my bank statements. I submitted those by email that day. 

Finally, I was contacted on XXXX/XXXX/XXXX by the dealership stating that the bank needed a XXXX statement verifying my employment and WC. I emailed a copy that next morning. Now as of yesterday XXXX XXXX/XXXX/XXXX XXXX, the dealership informed me that I may need to return the vehicle. When I asked about my trade in vehicle, the dealership stated that they were not exactly sure where my vehicle was and that they could possibly cut me a check for the manufacturer price. They then informed me that it was not their responsibility in regards to my transportation. 

I am so confused and saddened by my experience with this car purchase. I do n't know what more to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have requested numerous times to show me proof of alleged Bankruptcy on my report XXXX Chapter XXXX XXXX XXXX all the bureau keeps telling me is that the info was consumed from XXXX XXXX a XXXX party reporting agency but can not supply me with proof or a copy of bankruptcy

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 2017-09-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Pioneer Credit Recovery XXXX XXXX XXXX. 
XXXX, NY XXXX Has been contacting people who served on my children 's schools PTA and telling them that I have an outstanding debt. They have been giving them account numbers and identified themselves as debt collectors.

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