vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: OR

Complaint narrative:
I purchased 4 money orders from Western Union XX/XX/XXXX at a XXXX grocery store in Oregon. I then mailed these 4 money orders to the IRS for payment on my 2018 taxes. All 4 of these money orders were rejected by IRS with a 2287 tax form " refer to Maker ''. The money orders were rejected for non sufficient funds I was told when I contacted the IRS. I then called Western Union and was told that I would need to fill out a money order customer request and they would see if they needed to reissue new money orders. In the mean time I have penalties with the IRS for the NSF money orders that Western Union will not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
lost my job in XXXX, contacted XXXX XXXX Credit card that I was a consumer with for almost 27 years, with an outstanding history, wanted them to close account and give me deferment.There is no such thing as deferment in the world of credit cards, only payment plans. Without an income there is no money for a payment plan. I insisted they close the account so not to accrue any extra charges.I had a credit limit of {$7000.00} and was below it!! at {$3500.00} I made my last payment in XXXX when my savings ran out. I sent a dispute letter on XX/XX/2018 when I noticed they lowered my credit line to {$3000.00} from {$7000.00} putting me over my credit limit and my card was still open. They were now not only charging me over the limit fee 's, they raised my interest and were also charging late fee 's Exactly why I asked them to close the card. except I had no I dear that they could lower my credit line to deliberately put me over it to charge me extra unwarranted fee 's, a 27 year customer!!! I then disputed the account with the credit bureau for XXXX reported inaccurate. ( Which is how I disputed it twice. INACCURATE ENDING BALLANE!!! it should have been closed in XXXX, It should not have been over the credit limit!! all late fee 's and over limit fee 's and higher interest rates are inaccurate!!!! making amount owed wrong!!! ) They have it reported that they closed it.yeah they closed it ... .7 months after I asked them to. in XXXX??? that my credit limit was {$3500.00} yet my balance is {$3900.00} NO my credit limit was {$7000.00} and NO my ending balance is not {$3900.00}. Yesterday I receive a reply from them. regarding my last dispute. And that they reviewed my file and believe they have reported everything accurate to the agencies so it will stay as is. I have never not paid my bills. I am almost 60 years old and having a hard time finding a job. I was in CONSTANT contact, paid for 3 months after losing my job when this company did nothing to work with me! and I mean nothing! asking me for over {$200.00} a month without a dime coming in and then to put me over my own credit limit, being spoken to like i was the lowest of life forms, Being told don't worry we'll just sue you!!! to jack up my bill with false fee 's, I don't believe that's any where close to fair debt collection practices. And on top of all this, they close the account as a profit and loss, so they will now use it as a tax deduction ( why cause after 26 years of never even being late on a payment they made a fortune of interest off me already ) and we all know they need a tax deduction to off set all these millions in fake fee 's not only do I think it's against FDCPA i think it should be criminal!!!

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 2019-07-24 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: MA

Complaint narrative:
There is a bankruptcy chapter XXXX on all three of my credit reports, Experian, XXXX and XXXX claim that the data furnisher for this bankruptcy is the United States Bankruptcy Court but I know that is incorrect, I contacted the Bankruptcy court where I live and I was told by the Clerck that the bankruptcy court do not share or provide information to third party. I asked the court for the information in writing so that I can send it to the credit bureaus and be able to get that bankruptcy deleted. I received the letter in the mail, I sent it to all three credit bureaus and it seems like they ignored the letter and they keep telling me that the bankruptcy is accurate. I know that these companies get this information from another company called XXXX XXXX. The FCRA states that all information on a consumers credit report needs to be 100 % accurate. This bankruptcy is being reported inaccurate. This is a violation of the FCRA and it is breaking the law. I have included the letter from the Bankruptcy Court as proof.

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 2019-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
A few years ago I leased a vehicle from Ford, and upon the return of the vehicle they mentioned that I will have to owe some money due to over milage and some damage to the car. I was totally fine with that, and knew that was something I would have to be doing. As i closed my account with them I gave them my new contact information as I have moved and got a new phone number. They said 'Corporate ' will bill me after they take a look at the vehicle. 2 years later I find out I have a delinquency on my credit report because I got a notification from XXXX that my perfect credit score of XXXX went to XXXX overnight. I research even more, I call ford and ask what happened, and they said " your case is with a legal team now '', I called the third party law firm, and apparently they have been trying to contact me for 2 years and I didn't hear a thing. The only reason i called them was because of my XXXX report that they jsut posted to the credit bureaus on XX/XX/18. Had I known, i would have paid this off immediately. I did pay it immediately, but now I am penalized becuase no one contacted me? I reached out to ford again after the payment went through and they told me they had no phone number on file for me, and my old address. I called the ford dealership in my town, and they have all the correct contact information. How does corporate not have my information, yet the individual dealer does, and no one was able to call me about this issue. Now I have to pay hundreds of dollars to have an attorney try to remediate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In XXXX of 2019, I failed to make a payment on my Best Buy credit card. I thought auto pay was set up, but it wasn't. It was an honest mistake, and I've made every other payment on time, but that one missed payment is really affecting my credit score. I called them to try and get it forgiven and taken off of my credit report, however, they told me they couldn't do anything and pointed me to you guys at CFPB.

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 2019-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There is a bankruptcy XXXX  XXXX on all three of my credit reports, XXXX, Transunion and XXXX claim that the data furnisher for this bankruptcy is the United States XXXX  XXXX but I know that is incorrect, I contacted the XXXX XXXX where I live and I was told by the Clerck that the XXXX XXXX do not share or provide information to third party. I asked the court for the information in writing so that I can send it to the credit bureaus and be able to get that bankruptcy deleted. I received the letter in the mail, I sent it to all three credit bureaus and it seems like they ignored the letter and they keep telling me that the bankruptcy is accurate. I know that these companies get this information from another company called XXXX XXXX. The FCRA states that all information on a consumers credit report needs to be 100 % accurate. This bankruptcy is being reported inaccurate. This is a violation of the FCRA and it is breaking the law. I have included the letter from the Bankruptcy XXXX as proof.

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 2019-07-24 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: EQUIFAX, INC.
State: MA

Complaint narrative:
There is a bankruptcy chapter XXXX on all three of my credit reports, XXXX, XXXX and Equifax claim that the data furnisher for this bankruptcy is the United States Bankruptcy Court but I know that is incorrect, I contacted the Bankruptcy court where I live and I was told by the Clerck that the bankruptcy court do not share or provide information to third party. I asked the court for the information in writing so that I can send it to the credit bureaus and be able to get that bankruptcy deleted. I received the letter in the mail, I sent it to all three credit bureaus and it seems like they ignored the letter and they keep telling me that the bankruptcy is accurate. I know that these companies get this information from another  company called XXXX XXXX. The FCRA states that all information on a consumers credit report needs to be 100 % accurate. This bankruptcy is being reported inaccurate. This is a violation of the FCRA and it is breaking the law. I have included the letter from the Bankruptcy Court as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Where do i begin. 
this collection agency apparently uses underhanded tactics to try to collect on a debt. It is bad enough that the company that used these people services claim i owed a balance after they messed up my XXXX  work however this debt from since XXXX they are trying to collect on in XXXX. Pressler, Felt & Warshaw is the company. They had a court officer ( mind you i never knew i was sued or had to appear in court until years later after they kept having the court officer levy my bank account, they would have the court officer send my personal information including my social security number to all these banks and hope one would give a response. This is fraud. or it should be considered fraud. I am a victim of identity theft and it has taken years to fix what someone has damaged. By these people sending my information freely to banks this is wrong. all to collect some old debt. I have had to close bank accounts, etc however they are relentless. They come forcing me to make a payment arrangement when i do not feel that i should have to pay for this. It is wrong. with how many criminals they are nowadays, for them to blatently send my information which looks like an old photo copy to people is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently pulled my credit report and several inaccuracies. I am a victim of identity theft and previous filled out a police report in regards to my personal information being stolen. I sent out several letters to the credit bureaus as well with accounts and information I found fraudulent but with No luck. Below I will list the accounts I found false. 


Account Name : XXXX XXXX/XXXX Amount : {$2100.00} Account Name : XXXX XXXX XXXX - XXXX Amount : {$4100.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$6200.00} Account Name : XXXX Amount : {$900.00} Account Name : XXXX XXXX Amount : {$5500.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$2700.00} Account Name : XXXX XXXX XXXX  XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$8000.00} Account Name : AXXXX XXXX XXXX Account : {$1400.00} Account Name : XXXX XXXX XXXX Amount : {$1200.00} Account Name : XXXX XXXX XXXX Amount : {$900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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:
I recently pulled my credit report and several inaccuracies. I am a victim of identity theft and previous filled out a police report in regards to my personal information being stolen. I sent out several letters to the credit bureaus as well with accounts and information I found fraudulent but with No luck. Below I will list the accounts I found false. 


Account Name : XXXX XXXX/XXXX  Amount : {$2100.00} Account Name : XXXX XXXX XXXX - XXXX Amount : {$4100.00} Account Name : XXXX XXXX  XXXX XXXX  Amount : {$6200.00} Account Name : XXXX  Amount : {$900.00} Account Name : XXXX XXXX  Amount : {$5500.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$2700.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$8000.00} Account Name : XXXX XXXX XXXX  Account : {$1400.00} Account Name : XXXX XXXX XXXX  Amount : {$1200.00} Account Name : XXXX XXXX XXXX Amount : {$900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
At the end of my lease agreement with XXXX XXXX for my 2015 XXXX XXXX lease, I was not made aware of the {$390.00} disposition fee. I received a final bill after the lease was up onXX/XX/18 in the amount of {$0.00}. 

No calls were made to me in an attempt to collect the debt of {$390.00}. It was only after checking my credit report when I noticed that the score had severely dropped due to this disposition fee that I was not made aware of. Because XXXX did not receive a payment in this amount, they " forgave '' my fee and claimed that they covered the debt on my behalf. This was not preferred on my behalf. 

Once I called XXXX and became aware of the fee, I immediately paid the debt and have received confirmation of the payment.

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 2019-07-24 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: NY

Complaint narrative:
At the end of my lease agreement with XXXX XXXX for my 2015 XXXX XXXX XXXX, I was not made aware of the {$390.00} disposition fee. I received a final bill after the lease was up on XX/XX/XXXX in the amount of {$0.00}. 

No calls were made to me in an attempt to collect the debt of {$390.00}. It was only after checking my credit report when I noticed that the score had severely dropped due to this disposition fee that I was not made aware of. Because XXXX did not receive a payment in this amount, they " forgave '' my fee and claimed that they covered the debt on my behalf. This was not preferred on my behalf. 

Once I called XXXX and became aware of the fee, I immediately paid the debt and have received confirmation of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
At the end of my lease agreement with XXXX XXXX for my XXXX XXXX XXXX lease, I was not made aware of the {$390.00} disposition fee. I received a final bill after the lease was up on XX/XX/18in the amount of {$0.00}. 

No calls were made to me in an attempt to collect the debt of {$390.00}. It was only after checking my credit report when I noticed that the score had severely dropped due to this disposition fee that I was not made aware of. Because XXXX did not receive a payment in this amount, they " forgave '' my fee and claimed that they covered the debt on my behalf. This was not preferred on my behalf. 

Once I called XXXX and became aware of the fee, I immediately paid the debt and have received confirmation of the payment.

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 2019-07-24 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: Innovis
State: TX

Complaint narrative:
On XX/XX/2019I was notified and alerted by credit bureau XXXX that CBCINNOVIS requested a copy of my credit report for a mortgage loan. I never applied for a mortgage loan. This was done in error and without my consent. 

On XX/XX/19@ XXXX 1st attempt to dispute the validity of the inquiry. Spoke with XXXX XXXX over the phone and via email @ XXXX on XX/XX/19@ XXXX. She said she would speak with the account manager for the company XXXX XXXX and for me to circle back with her and him on XX/XX/XXXX @ XXXX. Mr. XXXX said that he had made the correction on the inquiry that was done by error and that he was going ask for a reversal of this but yet on XX/XX/19after I spoke with him at XXXX he said he had sent a correction letter to XXXX, XXXX  and XXXX  but today XX/XX/19@ XXXX I spoke with representatives from these credit bureaus who tell me that they have not receive anything from XXXX  XXXX  or Innovis for the inquiry to be remove from my credit file. I have too long for this error to be resolved and nobody is taken responsibility for correcting the issue. In the mean time my credit score dropped from XXXX to XXXX due to this inquiry. I have worked hard to maintain a good credit score and a good credit history for the past 5years for them to just ruin my reputation in a day. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I was having an issue paying my auto-loan online due on XX/XX/XXXX so I was late on the first month because I wanted to pay online and needed to take time out of work to call in and inquire why, I called in and there was a technical issue with account linking, so I paid on the phone and I thought the account link issue was fixed. My second payment ( due on XX/XX/XXXX ) I tried to pay on time but again I could not pay it online so fell 1 day late. After PNC debt collector calls me I told them about the issue of paying online, so they transferred me to the online department. They informed me that payment of auto loans is not available via mobile app, only available on the website. The debt collector and the website said that {$760.00} was due but that was a fraudulent amount because that included next month, there is no reason but FRAUDULENT BUSINESS PRACTICE to tell me both on the phone and on the website that NEXT MONTH IS DUE. I actually paid the {$760.00} amount online because this is a new auto-loan and I didn't know the actual amount of the payment and didn't want to under pay or waste more time on the phone with PNC. These banks will charge me $ 35+ if I make a mistake however they make multiple mistakes and there is no recourse. I asked for monetary compensation for the fiasco on XX/XX/XXXX and this is what I received from PNC on XX/XX/XXXX : XX/XX/XXXX Message : Dear XXXX, Thank you for contacting us through the Secured Message Center! 

I am sorry for any difficulty in making those payments. The total due shows for the higher amount because it is accounting for the next months charges. Only {$370.00} is due however, as of XX/XX/XXXX. While we would be unable to provide a monetary compensation, we can provide some help in ensuring payments are made and on time with methods such as auto pay or using the online transfer funds tool to set recurring payments manually. Please reply if you will like some additional information on those options. 

If there are any other questions or concerns, you may contact us using the chat button below, or by phone at XXXX / XXXX. We are available XXXX XXXX to XXXX XXXX EST M-F, and XXXX XXXX   to XXXX XXXX on weekends. Please remember that PNC is also available via XXXX, XXXX and XXXX, XXXX XXXX to XXXX  EST 7 days a week. 

Thank you for choosing PNC Bank! 

Sincerely, XXXX XXXX PNC Bank

Company response to consumer: Closed with explanation