vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/XXXX I purchased a Western Union money order from XXXX ' grocery store in the amount of {$320.00} to mail to XXXX XXXX XXXX XXXX. I filled the money order out completely on its face and mailed it through the U.S post office. On or about XX/XX/XXXX, I received notification from XXXX XXXX XXXX XXXX that, they had not received my payment. After investigating the information I learned that my money order had been frauduently cashed on XX/XX/XXXX at an unknown location. I contacted Western Union again and requested to file a fraud report. I was told that I had to complete a fraud request in writing and send {$15.00}. On XX/XX/XXXX I completed a written request and sent the {$15.00}. As of XX/XX/XXXX I have yet to receive any information as to the status of my claim. I have called Western Union on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To get an update or to request additional information to provide to the local Detective whose been assigned to the case. I've attempted to get either the name of the person who cashed the money order or the bank name and branch where the money order was cashed at on XX/XX/XXXX. Western Union has disregarded my request by doing the following ; place me on hold for long periods of time 52 mins., or state you will receive a letter in the mail with the name of the bank soon, or I can not provide you any information at this time, or they just hang the phone up in my ear. I would like Western Union full cooperation in assisting me with information to move forward with this fraud case and provide me a full refund plus interest on my money order within 30 days of my complaint.Also, Western Union should be required to handled money order thefts that consist of fraud within a reasonable amount of time, and should be required by law to provide the victim of fraud access to the necessary documents so that the victim can proceed with making timely police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GFS II, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: GA

Complaint narrative:
I have numerous unauthorized inquiries on all three of my credit reports ( Experian, XXXX, XXXX ) that I have been fighting to be removed from my credit. I have disputed this with each of the credit bureaus above for almost a year with no results. I have asked for validation such as a signed credit application with my original signature which I have not been granted as of yet. According to the FCRA 15 US Code 1681, the only way to access my credit report is if I have given permissible purpose to do so. I HAVE NOT given any permission to anyone to make an inquiry with my credit which deems this impermissible and therefore should be deleted. Below is a list of the inquiries from each credit bureau that I did not give my permission : XXXX : XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX   XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX  : XXXX XXXX/XXXX   XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX Experian : XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; CXXXX/XXXX   XX/XX/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 2018-05-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has several issues on my credit file which are XXXX XXXX/XXXX XXXX # XXXX I was not past 30 days in XX/XX/XXXX or XX/XX/XXXX and have proof on my bank account when payment was taken. This needs to be removed ASAP Several accounts have late payments listed when payments were deferred due to a natural disaster remove all late payment remarks on the accounts I have requested several times and nothing has changed and the reports back state Experian has done nothing as it states on the accounts item was updated and a date which I disputed recently nothing has been addressed XXXX/XXXX  XXXX Unknown account, how did your company verify this? 
XXXX XXXX # XXXX Unknown account, how did your company verify this? 

There are also several names which do not belong to me 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 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
On XX/XX/2018 my paycheck was direct deposited into my Amex serve account. I checked my account around XXXX XXXX on XX/XX/XXXX and my balance was XXXX $ and change. I work nights So when I left my shift at XXXX XXXX  on XX/XX/XXXX, and checked my Amex serve balance. There was at that point XXXX $ dollars in my account, all my money was gone. After checking my account, after my direct deposit went threw there was four charges on my account that were fraudulent and not made by me. The charges where actually money transfers from four different names I never heard of before. The first charge took my entire direct deposit amount. The second was a few hundred $ sent back to me. The third was another few hundred sent back to me. The fourth was the remaining balance sent someone. These were all transfers from all different people I never heard of in my life. I immediately called Amex customer service to start a dispute, the next day I got a Email from Amex saying the charges were not fraudulent and there is nothing to do to help me, my account was also locked and shut down due to them saying I violated there policy. I called back today XX/XX/XXXX to try to resolve this issue again. Customer service said there was nothing else they Could do and they could not transfer me to the Fraud department and the only was to reach them is by email or a letter via postal service. I then asked to talk to a supervisor, was out on hold. I waited 2 hours on hold and no one ever picked up. My account is clearly compromised and all my hard earned money was stolen. The only thing I can think of is a email I received claiming to be Amex serve asking me to validate my account. The logo was exactly the same and looked authentic. It even brought me to the Amex serve account website. I verified all my information and my guess is this is how my account got stolen. I sent Amex serve this email and told them about this and they did nothing and said nothing about it. My next step is calling my lawyer to pursue Amex legally in hopes of recovering my hard earned money. Please help me out as this is completely insane and Amex serve is allowing this illegal activity to happen on a account that is said to be completely protected against fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have numerous unauthorized inquiries on all three of my credit reports ( XXXX, XXXX, Transunion ) that I have been fighting to be removed from my credit. I have disputed this with each of the credit bureaus above for almost a year with no results. I have asked for validation such as a signed credit application with my original signature which I have not been granted as of yet. According to the FCRA 15 US Code 1681, the only way to access my credit report is if I have given permissible purpose to do so. I HAVE NOT given any permission to anyone to make an inquiry with my credit which deems this impermissible and therefore should be deleted. Below is a list of the inquiries from each credit bureau that I did not give my permission : Transunion : XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX    XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX  : XXXX XXXX/XXXX   XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX   XXXX  XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX XXXX : XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX   XX/XX/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 2018-05-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have numerous unauthorized inquiries on all three of my credit reports ( XXXX, Equifax, XXXX  ) that I have been fighting to be removed from my credit. I have disputed this with each of the credit bureaus above for almost a year with no results. I have asked for validation such as a signed credit application with my original signature which I have not been granted as of yet. According to the FCRA 15 US Code 1681, the only way to access my credit report is if I have given permissible purpose to do so. I HAVE NOT given any permission to anyone to make an inquiry with my credit which deems this impermissible and therefore should be deleted. Below is a list of the inquiries from each credit bureau that I did not give my permission : XXXX  : XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX   XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX Equifax : XXXX XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX   XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX XXXX  : XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BAS Receivable Management Inc.
State: CO

Complaint narrative:
XX/XX/2018 Phone Call to Me : Representative was patronizing, told me I provided her the incorrect answer when being honest about my financial shortcomings. Lectured me on how it was wrong to not pay my bills just because I don't have any money to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
WELL THIS COMANY CALL MY HOME ON XX/XX/XXXX I M A CO SIGNER AND MY GRANDDAUGHTER IS SOLE DRIVER OF CAR SHE PAID HER PAYMENT ON XX/XX/XXXX AS THEY STATED BECAUSE SHE LIVES AND WORKS IN XXXX AND I LIVE IN XXXX TX AS THEY KNOW THEY INSIST ON CALLING MY HOME NUMBER 3 TO 5 TIMES A DAY I HAVE IT RECORDED I EXPLAIN TO THEM SHE IS THE ONE TO CALL THEY REFUSE AS SHE TOLD ME SHE HAS CONTACTED SUPV THERE AND PAID HER BILL SHE WAS LESS 30DAYS LATE I GUESS HOWEVER I TOLD THEM STOP CALLING ME THEY REFUSE AS EVERY MORING AFTERSON EVENING THEY ARE CALLING MY HOME I TOLD MY DOCTOR ABOUT THIS YESTERDAY AS I HAD TO GO SEE HER AND THEY ADVISED ME TO REPORT THIS IM SENIOR AND ON DO NOT CALL LIST THEY HAVE MY GRANDDAUGHTER WORK AND HOME NUMBER SHE ASK THEM TO CALL HER SEND ANY MAIL OR PRINTOUT ON HER CAR TO HER ADDRESS THEY HAVE THEY REFUSE AS I GET HER STATEMENT SAYING YOUR BILL IS DUE NOT LATE BUT DUE I DONT KNOW WHAT ELSE TO DO THEIR NUMBER IS XXXX XXXX XXXX I KNOW IT BY HEART THATS HOW MANY TIMES THEY CALLED MY HOME AS I AM WRITING YOU THEY CALLED AGAIN PLEASE CAN YOU DO SOMETHING TO STOP THIS I NOW TAKE MEDS FOR THIS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America allowed a breach of security on my XXXX credit card which lead to fradulent purchases on said card. After I reported the fradulent activities BOA closed out the account and issued a new card. 

I attempted to activate new card and BOA refused to activate said card based on questions they claimed were public records but had absolutely nothing to do with me or shared any relationship with me. I requested BOA to provide the source of where they were obtaining the wrong information so the consumer could correct and not be subjected to there methods and BOA refused to provide the source and refused to activate said credit card. 

I also asked BOA to use other information to provide security clearance to activate said card BOA refused. To date card is not activate. This is so insulting on many levels because the only way someone could have gotten a hold of my credit card number is thur BOA. I never used said card and card has never left my home safe. For BOA to now treat the customer in this matter is unfair deceptive business practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Citicards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-03 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: TX

Complaint narrative:
We had a charge on our account for contractual services that were never received according to the signed contractual obligation. The change has been disputed multiple times through Wells Fargo. Instead of investigating, Wells Fargo chooses to close the dispute without notice or comment. Wells Fargo refuses to investigate and does not protect their customer/consumer.

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 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DataMax Corporation
State: FL

Complaint narrative:
There is an account that has appeared on my credit file which is unknown and false. Please help XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2018, I sent a dispute letter to Equifax disputing the following accounts ( XXXX, XXXX, XXXX XXXX, and XXXX/XXXX. In my dispute letter, I asked for these accounts to be validated and Equifax is continuing to report unverified information on my credit file. As of this date, the following accounts have not been validated. Equifax had ( 30 ) days to validate this information, and they have failed to do that. Also, during the dispute phase, Equifax failed to put that these accounts were being disputed. They attached a statement for the XXXX & XXXX ( 30 ) days later. The XXXX XXXX account was never listed as being disputed. 

I also went as far providing proof, and I sent documents to Equifax in my dispute that I am a victim of Identity Theft, and Equifax failed to take my claim seriously. 

The unverified items listed above remain on my credit report is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After asking for proof of these accounts, I have not been provided any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), a consumer contract with my signature on it, and under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified. The law is very clear as to the Civil Liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumerand I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One Mastercard simply stopped mailing me statements. When I called Customer Service ( 3 times ) I was told that representative could not explain what had happened. My last call had a representative tell me my credit card account had been sold but no contact information was available.

In the meantime, no monthly statements have been received in almost 3 months. I have continued making payments but am seriously concerned about what Capital One is doing to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: AL

Complaint narrative:
I have contacted Equifax and filed a dispute that I did not apply for a loan with XXXX XXXX XXXX or XXXX XXXX  and they apparently did not do a full investigation because they came back and stated it was found to be accurate. I have spoken to both these companies back when this started showing up and both said they could not provide me with any documentation as to where I had inquired about opening an account. Equifax has refused to remove these two inquiries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
i contacted chase regarding unauthorized purchases on my account the explanation given was that because i had my card in my position there fore they couldn't refund the unauthorized purchase. it was explained to them that i don't know who the vendor is and i haven't purchased or authorized any transaction. 

vendor : XXXX # XXXX transaction date : XX/XX/2017 amount : XXXX claim date XX/XX/2017

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I went in to the U.S. Bank location on XXXX XXXX XXXX XXXX. in XXXX, MO to consolidate two savings accounts. While I was there the banker was extremely concerned that I did not have overdraft protection on my account, and asked me why. I told him it was because I didn't need it, and have no interest in adding it. He kept pushing and asking if he could add it, so I finally said yes in order to get out of there. He said it would take 5 minutes, and I said I didn't want to wait and didn't need this protection. He told me it would actually take just a minute and he was almost done. He had me sign my name on a digital screen, telling me it was to consent to add overdraft protection to my account. Several days later I received an email from U.S. Bank congratulating me on opening my new personal line of credit. I was extremely concerned and initially believed that my account had been hacked. I logged into my account online and saw that I had a new personal line of credit called " overdraft protection ''. The banker never told me that I was opening a personal line of credit, and I never would have consented to opening such an account. At best this was extremely unethical and misleading, at worst it was illegal.

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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief