vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
On XX/XX/2020 I sent a money transfer in the amount of {$200.00} to my cousin in XXXX via Western Union bank transfer. After 30 days, the receiver still has not received the transfer in his bank account. He has spoken to his bank multiple times and also with the local Western Union office. Both offices confirmed that the money never arrived in XXXX and did not even leave the US. 

I have called Western Union multiple times and they keep lying to me saying that " the transfer completed successfully. '' I asked them for a bank-to-bank wire transfer confirmation and they refused to give me any such confirmation. They would not even tell me their bank 's name. 

After three weeks, Western Union sent me a letter saying " we confirm the cash was picked up. '' I called to remind them I didn't even do a cash pick-up transaction. I had done a direct bank account transfer, therefore their letter made no sense. 

Please follow up with Western Union as they are neither depositing my transfer into the receiver 's bank account or refunding my money. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Bank, via a letter to my XXXX XXXX XXXX surreptitiously closed both my checking and savings accounts ... in the middle of paying my property taxes, in the middle of finally receiving my {$1200.00} stimulus payment, in the middle of paying bills, in the middle of receiving an unemployment payment, and in the middle of transferring money to bolster my checking account. All this " financial movement '' was simply cut off by Ally Bank for not conforming to Section 35 of their deposit agreement. Oddly, this comes at a time when XXXX made me fight for 45 days for a defective product refund via an XXXX purchase. In my mind, Ally Bank and XXXX colluded in an effort to punish me, for forcing XXXX to go into their pocket for a horrible & dishonest XXXX seller. XXXX as usual is " double dipping '' and easily culpable in this scenario too. Without doubt, this was a reckless act during Covid19 by all three parties. When you read Section 35 of the Ally Bank deposit agreement, nothing in the text pertains to ANY issue I've ever had & was used by Ally Bank as a false pretext to close my accounts. I mentioned to Ally customer service that I saw case law regarding this same issue & my account was promptly closed. I saved all emails from Ally Customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: Westlake Services, LLC
State: FL

Complaint narrative:
Five months ago I bought a used car which got financed by a so called WESTLAKE FINANCIAL SERVICES CO out of XXXX CALIFORNIA I also bought the extended warranty and the GAP insurance. Two or three days later after I bought the car the engine light came on and its been an nightmare since then. XXXX XXXX was the day of purchase and to this day XXXX XXXX the estimated repairs needed exceed any amount of money I have. I tried talking to the dealership but they refuse to work with me Im talking about more than {$3000.00} dollars in parts alone. They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL 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 2020-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I actually have two problems with Synchrony. One is that they closed my XXXX card without any provocation and no balance on it. I opened it last year to be able to put undercoating on our cars and paid it off in full. That just reduced my credit line. 

Then there's my XXXX account. I paid off over {$6000.00} in charge on time. They then out of nowhere decide to decrease my limit from {$6000.00} to {$1200.00}. It has trashed my credit score. When I reached out to them, it was oh well. I am so disgusted I am trying to finish paying off the rest of my cards and never giving them another interest payment again.

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 2020-06-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I had services completed at XXXX in XXXX PA in XX/XX/XXXX. Due to them updating their billing system which lingered, I didn't receive a billing statement from them until mid to late XXXX. When I received my bill it was for an incorrect amount which lead to me waiting another 6 months or so to get an updated bill. I received a bill in XX/XX/XXXX or XX/XX/XXXX and paid that statement in XX/XX/XXXX. I was reported to XXXX XXXX XXXX in XXXX XXXX PA due to the payment passing in the mail with the debt reporting. When I received my first collection notice in XX/XX/XXXX from XXXX I called XXXX to see why I was reported when I paid. They said they'd make the collection services aware that I paid. They never did. I received another collection notice in XX/XX/XXXX which ultimately lead to a hit on my credit report even though I paid back in XXXX. I was denied a loan because of this and my credit score plummeted by 80 points. I disputed with Equifax and they denied my claim stating the information is correct and I owe money. I called XXXX several times and XXXX regarding this matter and they act like I'm in the wrong and just say 'sorry ' when I bring it to their attention. I paid in XXXX and the collection service was never notified which is what should have been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: WV

Complaint narrative:
I can not connect my PNC checking account to services like XXXX, XXXX, XXXX XXXX, XXXX, or any service alike. I contacted the companies, and they said it was on PNC 's side, which isn't surprising. The only service I can connect to is XXXX, but I should be able to have the freedom to use MY money how I want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Bank called me multiple times over the past month using robocalls from phone number XXXX XXXX XXXX I was disputing the amount in question as fraudulent transactions. 
This bank is ruthless in pursuing consumers

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 2020-06-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Credit report entry as charge off, when in fact it is a late payment. One results in 7 years impact, the other is 6 months. 

The late payment accepted was 24 days. 

BofA failed to send statement in final month, despite doing so the two previous months after insurance write-off.

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 2020-06-25 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: WI

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: FL

Complaint narrative:
MY PERSONAL INFORMATION WAS STOLEN AND USED TO OPEN AND APPLY FOR FRAUDULENT ACCOUNTS SOMEONE USE MY NAME TO OBTAIN A APARTMENT LEASE, OPEN A CELL PHONE ACCOUNT, OPEN CREDIT CARDS WITH MY ID AND SOCIAL SECURITY NUMBER THESE ACCOUNTS DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: FL

Complaint narrative:
MY PERSONAL INFORMATION WAS STOLEN AND USED TO OPEN AND APPLY FOR FRAUDULENT ACCOUNTS SOMEONE USE MY NAME TO OBTAIN A APARTMENT LEASE, OPEN A CELL PHONE ACCOUNT, OPEN CREDIT CARDS WITH MY ID AND SOCIAL SECURITY NUMBER THESE ACCOUNTS DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 at XXXXish I received a call from Comenity Bank and spoken to them about some debt I have. 5 minutes later I received a call from a family member saying they were contact by them as well around XXXX. This Family member has no right to my info and isnt on none of my paperwork so they have broken the fair credit act with me and I will like to know whats the next step to be taking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I applied online for a debt consolidation loan on XX/XX/XXXX and was denied. I called Marcus and was told to call XXXX, which would be pointless as I already know whats reflected on my credit report. The denial reason provided was number of recent inquires on credit bureau. This is false. I have one inquiry for an apartment, that I currently live in, from XX/XX/XXXX. I dont have multiple inquiries as Marcus by Goldman stated I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: WI

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-25 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: WI

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
ve just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX,, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have previously submitted a complaint on this account last month. Company agreed to remove previously incorrectly charged interest fees but now they've done it again after agreeing not to charge interest. 

XX/XX/XXXX - {$27.00} I attempted to contact them via phone but they refused to correct their obvious error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The number that appears from this debit collector in my credit report is irresponsible They never attend the call. the number is XXXX XXXX XXXX. Therefore, I have been receiving thousands of calls from many different numbers really annoying me from this Syncb/PPC. I don't know what is that and I don't owe any balance of any credit card. In fact due of problems i faced with those companies in the past I don't keep any active credit card account. I only have the debit cards of my bank accounts. nothing more. Based on my credit report they say I owe then {$520.00} which I do not recognize as mine at all. Should be fraudulent charges. I want them to stop bothering me with this insistent calls every single moment and show proof of purchase in my name if they insist, those charges are mine.

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 2020-06-25 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: UT

Complaint narrative:
XXXX XXXX is reporting these erroneous lates on my credit file. I traded in my vehicle and I was told that the remaining trade in balance would be paid the XXXX! This is why I went ahead with the trade. Now I'm seeing lates on my credit file after the trade in. I should NOT have any lates on XXXX OR XX/XX/2020. This lates are erroneous and I demand them to be removed. This is affecting my credit on someone else 's mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
On XX/XX/XXXX in the amount {$200.00}, I made a final settlement payment on a charge off XXXX XXXXXXXX account acct # XXXX to Radius Global Solutions LLC. Since that time XXXX XXXX has continued to report me negatively to all 3 credit bureaus resulting in a fico  score drop of 14 point on XX/XX/XXXX and 41 points on XX/XX/XXXX. I sent a copy of the Radius Global & XXXX XXXX receipt to the 3 bureaus to update the correct balance owed or marking as settled i was updated with 2 more months of negative reporting. Per my most recent credit report from XXXX, originally i was only showing collections as of XXXX, after the most recent dispute report on XX/XX/XXXX i was hit with negative reporting for XXXX XXXX which clearly is inaccurate. I have contacted all parties multiple times about this issue to no avail.

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 2020-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Used Capital One credit card to purchase XXXX XXXX flight from XXXX. Flight canceled by airline ( Covid-19 ). Flight credit from airline for later transportation unusable by me. And XXXX unreachable via phone after repeated attempts. My claim for reimbursement declined by Capital One, after reaching out to them by letter twice. So I want a fully refund for the flight I purchased, but never received through no fault on my own. 

Credit card charged {$940.00} on XX/XX/2020 for XXXX XXXX XXXX XXXX booking XXXX XXXX  ), purchased from XXXX XXXX Itinerary # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : TOYOTA MOTOR XXXX  XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I had a account with Navy Federal received my Child Supporr in the account the account was compromised and every deposit i received since XXXX they took it i need my Kids Money out that Account i want it closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
A SETTLEMENT WAS MADE BETWEEN BORROWER AND FINANCE COMPANY. DEBT WAS RESLOVED PAID IN FULL

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