vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-11 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:
Issue : Receiver has not received the fund transferred via Western Union. The company is not ready to issue a refund neither provide a satisfactory traceback. 

Reference : Tracking number ( XXXX ) : XXXX XXXX XXXX Details : On XX/XX/2021, I transferred USD XXXX, equivalent to XXXX  XXXX to my friend in XXXX through Western Union Money transfer service. 

According to the receipt attached, they had promised to transfer the amount to the receiver on the same day itself. But the receiver has not received it even on this day of filing this complaint ( XX/XX/2021 ) Transaction Information : Western Union provided two options to debit the fund to the receiver 's account. 
Option 1 : Using standard Bank Account details and Routing number Option 2 : Using a code called UPI code When I tried to enter the bank details directly from the receiver 's bank pass book, the form threw an error and didn't accept the bank account number. 

Therefore, I tried choosing the second option - UPI code - which the registration form accepted. Then I proceeded to make the payment of USDXXXX and the same amount got debited from my local XXXX account. 

But the receiver has NOT received the money yet. I filed several complaints with Western Union and they have not given me a proper answer. 

Actions taken : I registered a complaint and was given a case file, but they didn't give me a proper resolution to my complaint. 

They repeatedly claimed that the funds have been transferred to the receiver. 

When I raised the issue several times, Western Union offered to trace back the amount, but and sent me a trace report which is attached. The report DOES NOT provide details of the receiver or the receiver 's bank account. It simply gives an IFSC code, equivalent to a routing number of a different bank than the receiver 's bank. 

I pointed out that the destination bank is incorrect and the receiver 's details are not available, I requested to provide a complete trace back on who received the fund, their account details, date of credit and contact. 

Further, the UPI code of the receiver is hashed out in the receipt and in the traceback report provided by Western Union. This has to be revealed completely to cross check the code with the receiver 's code which I registered with Western Union - XXXX @ XXXX But Western Union refused to assist me any further, neither they wouldn't refund the amount even though it was sent to a different bank incorrectly by Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Someone opened a credit card with Synchrony Bank in the amount if {$820.00} that is reflecting negatively on my credit report. The person that opened this account is the mother of my sons who I am no longer in a relationship with.

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 2021-04-11 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: LEXISNEXIS
State: MS

Complaint narrative:
Lexius nexius reporting incorrect birthdate, phone numbers, addresses, and employment to XXXX  and XXXX. I've sent several proof of my identity, phone number, and address. XXXX and XXXX  refuse to correct incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
BBVA USA has been stealing my deposits. Whenever I go to access the deposited funds the customer service line tells me the funds are unavailable. This has happened with the last two deposits. The bank stole them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hello, My name is XXXX XXXX and I am contacting you in regards to my credit report showing PNC BANK NA account that was reported as a charge off and then paid in full, I have contacted PNC and they said it will take 7 years for the charge off to be removed from my credit report because they do not pay for removals, I explained it was an honest mistake because I had a secured credit card with a balance of {$300.00} along with a checking account, When I closed my checking account with PNC.bank I was under the impression that the remaining balance on My {$300.00} card would be deducted from my checking account before giving me the money, But unfortunately it was not and without any correspondence from PNC it went completely unnoticed, Then it showed on my report, So I am asking you to please forgive and grant me a goodwill adjustment by removing the paid account off of my credit reports, it has a significant effect on my credit score and I am currently trying to get approved for a mortgage, I hope you grant my request in a goodwill adjustment and remove PNC from my account, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: GA

Complaint narrative:
I reached out to this company to correct the wrong information on my report, as they are completely invalid. I feel I have been marginalized by this situation because I have not received a response in connection to my complaint. I felt forced to file a complaint against them, as my initial attempt to reach out to these companies occurred in XXXX of 2021. The invalid information that is being reported is negatively impacting my reputation and hurt my credit score and report. I sent in my request over 90 days ago and have been ignored and not responded to till this date. I have self-learnt and now now that Section 611 ( a ) requires that these items be removed if there is a failure to investigate and respond within 30 days. Again please be aware that it has been over 90 days and I have not received a response from these companies. I request that these items be deleted or I will seek and utilize litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have 2 double cash credit cards with Citi Bank, they are underpaying cash rewards : they are stealing money from customers. Both my credit cards are being underpaid. 
I never checked on Citi how my rewards were paid however I checked XXXX and they are refusing to pay 2.5 % for card ending XXXX and 2 % for the second card. 

Citi doctors customers records behind the scene, this has to stop

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 2021-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have several business checking accounts for my businesses. XXXX since the COVID pandemic Bank of America has been charging {$35.00} insufficient funds fees in error and refuses to return them. Several reps say i '' it is the wat they process even if you put money in your account to take care of the negative balance. 

Also there was fraud done on one of my accounts and i submitted a dispute claim with Bank of America. They did not take my supporting documents to prove the fraud even though i offered them. They placed a temporary credit in my account pending an investigation. The temp credit was taken back out causing my account to go negative. I contacted Bank of AMerica but had to make an appointment to see a representative. During the course of two week my unemployment was direct deposited into the negative account. After i spoke to a rep the credit was placed back into my account but bank of america did not give back my unemployment payments into my account!!! During a pandemic Bank of America will not resolve this issue or even acknowledge that they are not accurately reporting my funds in my balance!! 

Bank of America is stealing money from consumers during the pandemic

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 2021-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX reporting incorrect birthdate, phone numbers, addresses, and employment to Transunion and XXXX. I've sent several proof of my identity, phone number, and address. XXXX and Transunion refuse to correct incorrect information on 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 2021-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Well the bank always make escuse last time they denied my claim Took them long time To give me answer then they ask to file Police report they denied because they add a transaction that I not mention to them I did the second one it took them almost 20 days to give me result on dispute they only fix 10 they did same thing add something else they told me that they gon na do second review same thing they add atm they told me call them in 2 days and I did that they could find the transaction now they ask me to submit again Im just tired deal with them banker they act mean the one in XXXX Im just asking my money who know what they did with it was large amount money they always take their sweet time Im in real deep deap I own lot money

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 2021-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been trying to get my Citi bank Credit Card rewards since XXXX of XXXX. I have multiple credit cards with Citibank, and one of them offers cash back. 

I redeemed my rewards in XXXX  ( and have since seen the rewards deducted from my account ) and I have chosen to have the rewards in the form of a check delivered to my house. 

I never received the check. After waiting the advised time ( 3-4 weeks ), I called and confirmed the check was never cashed and informed them I never received the check. This was late XXXX. I was told they would resend the check and to wait 3-4 weeks.

I again did not receive the check. I called citibank ( in early XXXX  ) back and asked about it, and they said they would AGAIN send the check. It is now XX/XX/XXXX and I have not received my check. 

I have no confidence citibank is even sending me the check. When I last spoke to a person at citibank, they had no record of my conversation in XXXX  and no recollection of resending me the check. 

The rewards check is in the amount of {$370.00} and was originally redeemed on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11 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: GA

Complaint narrative:
On XX/XX/XXXX I wrote a letter disputing a PUBLIC RECORD : Bankruptcy that is reporting on my consumer report in error. I want this account verified in my requested, I did not get a response. I wrote a follow up letter XXXX XXXX. I still have not recieved a response or any updates via mail, email or on my credit report. So I am excersing my rights : according 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Due to covid-19 lost my job I was unable to work to pay my car note with Capital One I explained my situation and as soon as I got the money I caught up on all the car notes they assured me that they would remove all late payments now they saying they can't find any of the information they said they will reach back out to me and they haven't done that but I've been calling them once or twice a month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Multiple steps and actions have been taken with trying to get Equifax to correct my file. I have not be able to get anyone that is able to correct the issue in accessing my credit file when I'm either trying to apply for credit or for my business, when I'm applying for services and Equifax is the agency being used ( XXXX XXXX, XXXX XXXX for examples. ) I've been told that support needs to correct it, then I'm told high management needs to unlock it, and then I'm receiving calls on those trying to fix it, but never get a follow up and when I do try, I've been on calls for 3 hours ( two times this happened ). Every other call I'm constantly rerouted and no one is ever on the same page. I've been asked to submit proof of identity multiple times. When I informed them that I have, I'm told there is nothing on file. I ask them to double check and check notes, and 30 minutes later, they come back and say that they do have my ID, Social, Birth Certificate and Passport, as well as Utility Bills on file. Equifax is preventing me from a lot, especially when it comes to my business. I don't know what do to, who to speak with, or who can fix it. Tech support, no XXXX, no one can fix the issue or know what the issue is. My file needs to be deleted and/or reset, I don't know what else to say. XXXX XXXX XXXX XXXX, and my social are the only two that need to be matched up. I was once told that my name was in wrong and I've submitted multiple correction forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX Reported on my account as a collection. XXXX XXXX XXXX Usa states per credit report that this account was opened XX/XX/XXXX .XXXX XXXX Bank XXXX added a derogatory mark on my credit report. Per XXXX XXXX, XXXX XXXX and XXXX XXXX. Upon further research, this account was marked as charged off. I have not received any verification from XXXX XXXX XXXX XXXX except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA XXXX XXXX XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX Jpmcb Card Reported on my account as a collection. Jpmcb Card states per credit report that this account was opened XX/XX/XXXX .Jpmcb Card added a derogatory mark on my credit report. Per XXXX XXXX XXXX XXXX and XXXX XXXX. Upon further research, this account was marked as charged off. I have not received any verification from Jpmcb Card except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA Jpmcb Card has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted Equifax, XXXX  and XXXX  several times via mail and via phone. I sent letters on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have supplied documentation as well as sent letter regarding the inaccurate information being displayed on my report. They still continue to use this information that they can not validate that it belongs to me because it does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, I am submitting this complaint for myself, attorney-in-fact. Fact, the fair credit reporting act states that the banking system is dependent upon fair and accurate credit reporting so be, and I have been violated by this debt collection company. I have also been violated under the Truth In Lending Act and FDCPA by this company and lawfully demand remedy as a US consumer. PLEASE properly address & remedy the attached documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Aspen Properties Group, LLC
State: MA

Complaint narrative:
Aspen Properties Group has filed preliminary paperwork to foreclose on my home. Aspen claim they purchased a debt that I had incurred. I have asked them to validate the debt but to no avail. Aspen has gone as far as to do a corporate assignment of mortgage on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/XXXX Goldman Sachs Bank Usa Reported on my account as a collection. Goldman Sachs Bank Usa XXXX XXXX credit report that this account was opened XX/XX/XXXX .Goldman XXXX Bank XXXX XXXX a derogatory mark on my credit report. Per credit Karma, Identity Iq, and Score Sense. Upon further research, this account was marked as charged off. I have not received any verification from Goldman Sachs Bank Usa except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA Goldman Sachs Bank Usa has violated my rights as a consumer and i'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX XXXX XXXX XXXX on my account as a collection. XXXX XXXX states per credit report that this account was opened XX/XX/XXXX XXXX XXXX added a derogatory mark on my credit report. Per credit Karma, Identity Iq, and Score Sense. Upon further research, this account was marked as charged off. I have not received any verification from XXXX XXXX except a print out of a contract with no physical signature from myself. Anyone can send a contract and print your name and say its a valid contract when in fact it is NOT.There is NO Written form of communication, No Contract, and No signature. According to the FCRA XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, Its been 6months to a year and I have not got an response from the creditor for the fraudulent debt. The company said it was verified but I would like to know who verified it. By 30 days with no response this account is suppose to be removed from my credit report.

Company response to consumer: Closed with explanation