vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
The car I just purchased had problems 5 days after I got it The car was in repair shop over a week. Has problems driving it two weeks. I put XXXX down and last payment was on XX/XX/XXXX for XXXX every two weeks. My car got repo this morning and i tried calling over the weekend and emailed them to let them know I would make payment Wednesday

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 2019-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Application for car loan sent to several finance institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
Hi! I am filing a complaint against Western Union regarding a fraudulent activity that occured on XX/XX/2019 around XXXX XXXX. My online Western Union account was hacked and someone transfered a total of {$3800.00} in two separate transactions of {$1900.00} each. The hacker attempted for a 3rd transaction but due to inadequate balance in my bank account, the transaction canceled. To minimize red flags, the hacker used my friend 's name as the " recipient '' since I had sent her money in the past but they used a " fake address '' which was XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Nothing comes up when you XXXX that address. 

I found out about the fraud 3 days later when I checked my bank account and found the balance to be close to zero. I called Western Union and they told me that since the transactions have been completed they will not refund me the money, I should file a report with my local police. The report # they provided me is XXXX. I have raised some very important concerns to Western Union for which I haven't yet received a reasonable explanation. They are listed as follows : 1 ) how was the hacker able to put in a fake address in the system? Why didn't the western Union app gave some kind of an error? While he used my friend 's name and phone number the address was entirely wrong including the ZIP code. 
2 ) even if the person was able to transfer, how could they pick up the cash in person with a fake address? You need an Id and a " pan card '' ( for tax purposes ) in XXXX to withdraw any amount over {$45000.00} so how was the person able to do that? 
3 ) When someone transfers money using a bank account it takes 0-4 days, in the past when I have sent money it has taken 3 days but somehow I qualified for the faster delivery that day and the money was available within minutes. I saw the email later. 
4 ) How could they approve the same transaction of {$1900.00} twice? If I had money in my account they would have allowed it to happen the 3rd time too. 

Western Union won't reveal the personal information the person who picked up the cash from a Western Union location such as the id that was scanned. They would only give to the law enforcement. While I am going to lodge a complaint with my local police, I am not sure if anything will come out of it so I wanted to try this channel so I can be heard. It was my hard earned money that I lost in a split of a second. I demand refund from Western Union for their negligence.

I really hope someone can look into this. 

I am attaching a few screenshots of the emails I received from Western Union that will show you the details. 

XXXX ( XXXX ) JXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had my credit checked although I did not authorize it. I have been the victim of identity fraud according to the IRS, and someone was using using my identification to get credit in my name as a fraud said the IRS stating I had an account in XXXX XXXX which I did not have. 
There are inaccuracies on my credit report of other people by Transunion and XXXX  who are listing my father 's debts under my name causing me an increase in my credit and XXXX XXXX listed me for a legal loan which affected my credit and legal loan companies are not allowed to check people 's credit as it is granted based on a legitimate legal case as a commercial loan on future payments on a legal case.

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 2019-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Dearest sirs ... 
The above servicer ( Carrington Mortgage Services, working for XXXX XXXX XXXX  XXXX   XXXX ), sent a third party company to my home/homestead and trespassed onto my property, then pounding on my door, arrogantly stating " they are seeing if anyone was living at my home ''. 
I took the third party 's company name, the agent 's name, and filed a police report with the XXXX XXXX police department. My 4th ammendment rights were disregarded. This has caused me great stress. My attorney ( XXXX XXXX XXXX ) has been made aware of this. 

The original hardship on my mortgage was due to the usurious 11.8 % interest rate. I am offering a final payoff settlement of {$650000.00}. The original loan was {$310.00} in 2007. The financial crash causing a need for a lower interest rate. All efforts to come to a final resolution have fallen on deaf ears, i.e mediations, modifications, etc ... 
My mortgage has been through numerous banks and servicers the past twelve years. I can only imagine how many times it has been sold and resold. Carrington Mortgage Services is demanding the 12 years accrued usurious interest of 11.8 % payoff, being {$850000.00}, all the while attempting foreclosure. 
I believe my final payoff offer of {$650000.00}. Is fair and just. It would take me 60 days to expedite. 

Thank you for your kindest help in this matter. 
A prayer of blessings to all involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Mortgage loan # XXXX Original XXXX Loan # XXXX Original XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The following accounts were never a past due, I never made a late payment on the accounts ever, change this, reverse the late payments I have a good relationship with these creditors. Not to mention they will not give me an explanation as to why they wont fix this erroneous inaccurate claim that has affected my credit score. CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: TX

Complaint narrative:
The following accounts were never a past due, I never made a late payment on the accounts ever, change this, reverse the late payments I have a good relationship with these creditors. Not to mention they will not give me an explanation as to why they wont fix this erroneous inaccurate claim that has affected my credit score. CFPB please step up and fix this ASAP XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following accounts were never a past due, I never made a late payment on the accounts ever, change this, reverse the late payments I have a good relationship with these creditors. Not to mention they will not give me an explanation as to why they wont fix this erroneous inaccurate claim that has affected my credit score. CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 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: DISCOVER BANK
State: MI

Complaint narrative:
Discover didn't fully address my complaint in CFPB case # XXXX. So, I asked Discover again to answer the following questions in XXXX. The CFPB told me to file another dispute. So, again, Discover didnt answer them. So, again, I asked for them in complaint XXXX. Again, Discover didnt address the issues or answer my questions in my complaint. 

First, this complaint is not about XXXX pricing policies. Its about fraud. Discover advertises customers are not responsible for fraudulent charges. XXXX lies about its certifications/training. 

I bought an inspection to be done by a XXXX XXXX XXXX XXXX XXXX certified inspector as XXXX 's website advertises. However, my inspection was NOT done by a XXXX XXXX XXXX XXXXXXXX XXXX   certified inspector. Also, XXXX advertises itself as being XXXX XXXX XXXX XXXX XXXX XXXX certified, yet there are not. Why does Discover feel this false advertising is OK? I didn't get what I paid for. An XXXX home inspector has gone through rigorous, specialized training. 

When we asked the inspector about the air duct in question, he said it was fine. Giving completely incorrect information is definitely not what I paid him to do. If Discover doesn't address all 3 of this issues in its reply, I will file the complaint as many times as it takes for Discover to address all issues in this complaint. At this point, Discover is false advertising. Discover says cardholders are not responsible for fraudulent charges. An XXXX/XXXXXXXX inspection not being performed but charging customers for one is fraud. 

As for Discover wanting proof of XXXX satisfaction guarantee, I gave Discover the web URL to XXXX satisfaction guarantee. But, the guarantee is a moot point, since XXXX false advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I was approved for 4,67 % APR through XXXX XXXX, all the sudden once I applied it raised to 10.75 % APR, it is a false advertising and it is illegal, if they will not fix their own mistake I will sue them. 




XXXX is their website, it is not listed as financial institution on your website thus I put XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
WELLS FARGO CONTINUES TO CANCEL MY DEBIT CARD WITHOUT NOTIFYING ME. I HAVE HAD 4 DEBIT CARDS IN THE LAST YEAR. THE MOST RECENT INCIDENT WAS THE CARD WAS PUT ON HOLD OVER A PURCHASE OF SHOES AND THEN THE CARD WAS INADVERTENTLY LEFT AT THE POST OFFICE. SUPPOSEDLY A " GOOD SAMARITAN " CALLED TO REPORT THE CARD LOST. A NEW CARD WAS ISSUED AND WITHIN ONE WEEK I RECEIVED FRAUD CALLS FROM " SOCIAL SECURITY '', XXXX COUNTY JAIL AND OTHERS TRYING TO GET MY CARD INFORMATION. THERE WERE 2 FRAUDULENT CHARGES ON THE NEW CARD EVEN THOUGH I WAS IN POSSESSION OF IT. I BELIEVE THERE WAS A BREACH AT XXXX WHEN THEY ASKED ME TO UPDATE MY PAYMENT INFO. I GOT NO WHERE WITH XXXX. ALTHOUGH XXXX IS EXTREMELY CONCERNING, I AM MORE IRRITATED AT WELLS FARGO FOR NEVER CONTACTING ME OVER THESE ISSUES. I WILL NOTE THAT A MANAGE AT WELLS FARGO IN XXXX WI, XXXX XXXX, GAVE MY BANK ACCOUNT INFORMATION TO MY BROTHER XXXX XXXX IN 2016 WITHOUT MY PERMISSION

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 2019-08-05 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: TX

Complaint narrative:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan listed here is not accurate - account number, company name, payment history, everything is incorrect..Remove the student loans asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX   XXXX, DEPTEDXXXX XXXX, XXXX/DEPTOFED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have not received my {$200.00} bonus for opening my account and making a {$500.00} direct deposit per the requirements. The 90 day wait period after the deposit has passed. See flyer attached for the promotion that I enrolled in and my offer code was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: TX

Complaint narrative:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan listed here is not accurate - account number, company name, payment history, everything is incorrect..Remove the student loans asap XXXX XXXX XXXX , XXXX XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, XXXX/DEPTOFED  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: TX

Complaint narrative:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan listed here is not accurate - account number, company name, payment history, everything is incorrect..Remove the student loans asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX   XXXX, DEPTEDXXXX XXXX, XXXX/DEPTOFED XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery calls at least 5 times a day and they never leave messages. Every day I get calls from different states. In never had anything with this company. I just need them to stop harassing me. I did some research and they are included in a bad list by consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We are struggling to keep our home and avoid foreclosure, we have had a series of hardships including 3 natural disasters ( hurricane Matthew, hurricane Irma, hurricane michael ) the only income I have is XXXX social security but Wells Fargo is refusing to recognize the income in violation of the FHA ( fair housing act )

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 2019-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
This debt is not owed. I canceled the policy and purchased another policy and this company is aware of this they attempted to call and harass me after I told them this using abusive language.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: LoanCare, LLC
State: NY

Complaint narrative:
Loancare Home Mortgage. Name attached to mortgage history that is not responsible for the debt. 

Contacted and wrote the 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 2019-08-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian will not allow me access to my report online.Experian will not allow me to dispute fraudulent accounts on my report.Experian will not allow me to report fraud on my reports.Experian will not investigate fraudulent accounts on my report. Experian will not fix errors on my report and they will not send me updated credit reports.i pay for credit monitoring with experian and the only report i can see online is from 2018.i would like to dispute items on my report online and have uodated copys of my report during the dispute.I would also like Experian to update my report on experian.com every month like i pay for.

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 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I called Transunion to investigate a faulty lien on my credit card. They failed the first time so i had them redo it. They needed my credit card for monitoring. Now they are charging me {$30.00} a month. I tried to cancel on their website and as soon as I try they log me out of my account and said my log-in information is incorrect. Then it prompts me to reset my password. I would have to call and wait on hold for hours for them to fix this.

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 2019-08-05 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: NY

Complaint narrative:
XXXX XXXX XXXX. Name attached to mortgage history that is not responsible for the debt. 

Contacted and wrote the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: SC

Complaint narrative:
I financed a vehicle with Flagship Credit Acceptance in XXXX of XXXX. The vehicle was totaled in XXXX of XXXX. From XXXX until now I have been in contact with Flagship multiple times each month trying to work through the claims with insurance and GAP. Not once during any of these phone calls did any repress mention that there were two payments that needed to be paid that insurance and gap would not be covering. Today I spoke with them yet again after pulling my credit and finding that not only have they not applied the insurance and gap checks to my account ( they received and cashed the insurance check several months ago and the gap check last month ) so they are still showing a {$29000.00} balance but they are also showing multiple missed payments. I told the representative that I would pay the two payments that they are claiming I owe even after the settlements were received but that I would not accept all of these missed payments on my credit. I was told there is nothing that they can do. Today they claim to have sent a letter about still needing to make payments while they awaited the settlements, and although I have told them each phone over the past several months that they have my address wrong, no one ever updated it ( they continue to show the state as California and not South Carolina where I live ) so I have never received any correspondence from them. I am a XXXX XXXX veteran and was in the middle of getting a VA loan to purchase a home for my family and due to their erroneous reporting and refusal to make it right I am no longer able to.

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