vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I have used XXXX XXXX for transferring money overseas to my family for several years in a row. Online, on a monthly basis, and always to the same 2 members of my family. Suddenly, in XX/XX/XXXX, I can no longer do that online : everyone of my attempts end up in a denial of service with a vague message asking me to check my form of payment or some other excuse. Prior to that moment, I had always used my debit card as a form of payment for several years, without ever a problem. 

I tried to get an explanation of this by phone from supervisors of the agents I spoke to and every time was simply told that " there must be a problem with your form of payments. '' I then wrote twice to XXXX XXXX Customer Care ( XX/XX/XXXX and XX/XX/XXXX ) and twice received the following email Concerning the error that you are receiving, this is to inform you that based on the information you have provided, XXXX XXXX must decline to process your intended transaction. XXXX XXXX is subject to a number of economic sanctions and restrictions imposed by the United States and other countries, and it appears based on the information that you have provided that the transaction might violate one or more of these sanction programs. 

I subsequently made several attempts on the phone to get more information from various XXXX XXXX supervisors to no avail. 

To this day, despite several attempts on the phone or by email, no one at XXXX XXXX has seen fit to tell me exactly what I did wrong and how I can fix whatever it is. 

All I want to know is the reason why I am suddenly unable to make money transfers online and how to fix whatever the problem is. In the meantime, I am forced to find a physical store that does XXXX XXXX transfers and make transfers paying much higher fees every time. 

Please, help me. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: PA

Complaint narrative:
XXXX XXXX Has been reporting a charge off on my report without every sending me any information. I have reached out to all three credit bureaus with several dispute letters and have yet to get the inaccurate account remove. I have contacted the bureaus asking them to explain to me how did they go about verifying this account, as well as contacting XXXX XXXX several time asking to be sent the documentation with my original signature on it, or anything verifying that the accounts is mine. Both the creditor and bureaus have denied me my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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:
I opened an account with XXXX now also known as XXXX XXXX XXXX back in XX/XX/XXXX and the items all had insurance. My home was broken into and the item was stolen. As A result the insurance company paid the account off and the company still reported the balance to my credit file. I have submitted several disputes with no resolve, I was able to reach someone in upper management and she informed they will request to have this account removed from all of the credit reporting agencies and as of today the account is still actively showing on the credit report. This account for XXXX Now should be completely removed. i have attached the police report and also the letter showing the company has agreed to have this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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:
I opened an account with XXXX now also known as XXXX XXXX XXXX back inXX/XX/XXXX and the items all had insurance. My home was broken into and the item was stolen. As A result the insurance company paid the account off and the company still reported the balance to my credit file. I have submitted several disputes with no resolve, I was able to reach someone in upper management and she informed they will request to have this account removed from all of the credit reporting agencies and as of today the account is still actively showing on the credit report. This account for XXXX Now should be completely removed. i have attached the police report and also the letter showing the company has agreed to have this account removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Please refer to complaint XXXX which was closed but not solved XXXX by American Express will not allow use of deposited funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-28 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:
I have recently filed a dispute with the credit bureaus in regards to a company by the name XXXX XXXX, XXXX. I have no signed contracts or agreements with this company. 
XXXX and Equifax have both deem this account as verified. XXXX and Equifax has not provided the requested documents supporting their their decision, which leads me to believe that their investigation was improper and incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: OH

Complaint narrative:
Told them to stop sending emails have not stopped yet. Has been non stop emails since XXXX. XXXX XXXX ( XXXX ) -XXXX-XXXX. This person has numerous cellphone numbers send Lending Tree advertising and text messages about loans. The company did nothing about this in fraud. Please have them STOP. XXXX received another advertising this is constant. This has to Stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
XXXX XXXX - Account # XXXX. 
Newly acquired lease was obtained in XX/XX/2020 at the start of the COVID19 pandemic. We were forced to close our XXXX on XX/XX/2020. I had reached out to to XXXX to request to be enrolled in the COVID relief program that was offered. I was told that we missed the requirement by 1 day. Vehicle needed to be purchased After XX/XX/2020 to qualify for a 6 month freeze. 
We then agreed to have payments deffered which was approved starting in XX/XX/2020. 
XXXX payment was not honored. XXXX payment was honored. XXXX payment was not honored. Account was then paid and brought up to date. 
Credit report is now showing derogatory payments of 60 days late due to this. 
Payments have been made on time for the entire length of the lease prior and has currently had no missed payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: PA

Complaint narrative:
XXXX XXXX Has been reporting a charge off on my report without every sending me any information. I have reached out to all three credit bureaus with several dispute letters and have yet to get the inaccurate account remove. I have contacted the bureaus asking them to explain to me how did they go about verifying this account, as well as contacting XXXX XXXX several time asking to be sent the documentation with my original signature on it, or anything verifying that the accounts is mine. Both the creditor and bureaus have denied me my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: PA

Complaint narrative:
XXXX XXXX  Has been reporting a charge off on my report without every sending me any information. I have reached out to all three credit bureaus with several dispute letters and have yet to get the inaccurate account remove. I have contacted the bureaus asking them to explain to me how did they go about verifying this account, as well as contacting XXXX XXXX several time asking to be sent the documentation with my original signature on it, or anything verifying that the accounts is mine. Both the creditor and bureaus have denied me my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am familiar with the PayPal User Agreement and point out I have not violated any policy or law but PayPal closed my account for no reason and will not help me with getting it back and going. 
I am not sure if this is some mistake XXXX I asume it has to be! 
I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 
I am very affected in these times of pandemic with Covid-19 by this decision of PayPal! 
My email linked to my PayPal is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: OH

Complaint narrative:
So this is my 5th or 6th asking TransUnion to launch a dispute regarding a few negtive items on my credit report. There has been no sense of urgency to resolve the matter. The dispute results are being verifired as accurate, but I have not been provided with ant documentation of accuracy. Which is a violation of my FCRA rights. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. I do not want results as verifired as accurate I want proof ( which you should have ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
I first received notice from my home insurance company ( XXXX ) that my escrow payment for the year hadn't been received, on XX/XX/XXXX. I immediately contact my mortgage servicer, First Home Mortgage Corporation and informed them of the issue. They stated they never received the invoice, so the insurance company emailed the invoice directly to the email address provided by the servicer ( I was CC'ed, so I have evidence of the email and invoice going out ). I then received another email from my insurance company on XX/XX/XXXX stating they still didn't receive the payment. So I contacted my servicer again and provided them the information the insurance company requested as proof of payment in order to avoid cancelation of the policy. I never heard back from the servicer. Then today, on XX/XX/XXXX, the date my policy is set to expire, I receive another email from my insurance company stating they are cancelling my policy because payment was not received. I had to pay the insurance escrow payment out of pocket to avoid my policy being cancelled. It is nearly impossible to get a real person on the phone at First Home Mortgage, let alone one who can actually address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: NJ

Complaint narrative:
XXXX XXXX - Account # XXXX. 
Newly acquired lease was obtained in XX/XX/2020 at the start of the COVID19 pandemic. We were forced to close our XXXX on XX/XX/2020. I had reached out to to XXXX to request to be enrolled in the COVID relief program that was offered. I was told that we missed the requirement by 1 day. Vehicle needed to be purchased After XX/XX/2020 to qualify for a 6 month freeze. 
We then agreed to have payments deffered which was approved starting in XX/XX/2020. 
XXXX payment was not honored. XXXX payment was honored. XXXX payment was not honored. Account was then paid and brought up to date. 
Credit report is now showing derogatory payments of 60 days late due to this. 
Payments have been made on time for the entire length of the lease prior and has currently had no missed payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: Self Financial Inc.
State: WI

Complaint narrative:
To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my XXXX XXXX XXXX account is reporting inaccurately. 
I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX ACCOUNT THROUGH XXXX XXXX -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. XXXX is reporting a balance of {$520.00} with a current payment status, XXXX is reporting a balance of {$240.00} with a current payment status and XXXX is reporting a balance of {$520.00} with a current payment status now all three of these balances cant be accurate. None of these balances are my current or accurate balance for this account. 

This account should be listed as ( {$140.00} ). I have attached a copy of ( my XXXX XXXX XXXX statement that proves your balance is in correct ).

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been in a dispute with DITECH since 2013! 
The loan transfer from XXXX has been reported to my credit that the loan has been paid in full as well as received a 1098 from XXXX DITECH has refused to investigate my payment dispute Even while they are under court order to do so instead they continue to drowned me in litigation fees and I can no longer afford to represent myself discovery process has gone on for three years now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
Ford motor credit had the wrong information about me ( wrong phone number ) never sent me a bill I had an automatic payment set up they chose to take out the money when it is convinient for them and they dont when they charge you a fee and report you they ruined my credit for no reason for the second time for stuff that is totally their fault I had an immaculate record until they reported late payments twice without sending me anything or letting me know, I wanted to bring this to the attention of the public that this type of behavior is dangerous and should be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: PA

Complaint narrative:
The information currently reflecting on my personal credit from " XXXX XXXX  '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
As checking my Bank Statement, I keep seeing charges from Experian on my statement, I have asked them to stop the charges or when you call it is only a message and can not reach customer service ... also On XX/XX/XXXX I called and they claim they can not refund charges and I have no clue on upgrading with them at all because if they CAN NOT return a consumers money I would have NEVER UPGRADED ... I keep in touch with my Bank for my Credit Scores and Reports ... All these credit companies are ripping of customers, because your score is different with each one ... I need them to refund .. All my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company response to consumer: Closed with explanation