vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Complaint About Western Union on Money Transfer and Non-payment I refer to the above in which I was a victim of non payment of a money transfer via Western Union XXXX. The loss was in relation to a money transfer via Western Union at XXXX XXXX XXXX via a Western Union transfer no. MTCN XXXX. I am a regular user of Western Union money transfer services for many years. So far I had no problem and I am very satisfied with the service. Recently, I planned a trip to XXXX XXXX. As I did not intend to carry too much cash with me, I make a transfer at the Western Union agent in  XXXX of an amount USDXXXX to XXXX XXXX on XX/X/2017 XXXX. I am the sender as well as receiver. In my application I have included a test question and answer for security reason as this is the first XXXX I sent to XXXX XXXX. 6 hours later at XXXX I received an SMS from Western Union informing me that the money was pick up by XXXX XXXX XXXX XXXX. myself. I was shocked to know that. I immediately lodged a non-payment claim at Western Union. I was informed that they required 21 days to conclude the investigation. On XX/X/2017 I received a email from Western Union United State stating that they denied liability as they said the agent paid out the money in accordance with the procedure. I strongly believe that the agent in XXXX XXXX deliberately paid out the money because no one knew the security question and answer except the agent. I lodged a complaint at my local authority. I was advised that Western Union was incorporated in the US and it was not within our local jurisdiction. Therefore, I request your good office to intervene and help to resolve the above matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CRA ... XXXX AND XXXX ... REPORTING INCORRECT XXXX XXXX XXXX DATA INFOR AND NOT MY ACCOUNTS, NEVER HAD ANY PUBLIC RECORDS, REMOVE BANKRUPTCY FROM FILE, SAME DATA  REPORTED 2X ON FILE, OUTDATED INFOR ON FILE, VIOLATES FCRA PROVISION 604,605,607,611 AND 623

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CRA ... XXXX AND EXPERIAN ... REPORTING INCORRECT " XXXX '' DATA INFOR AND NOT MY ACCOUNTS, NEVER HAD ANY PUBLIC RECORDS, REMOVE BANKRUPTCY FROM FILE, SAME DATA REPORTED 2X ON FILE, OUTDATED INFOR ON FILE, VIOLATES FCRA PROVISION 604,605,607,611 AND 623

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 2017-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Took money out of my account after being told to do so by  XXXX   XXXX  @  XXXX   XXXX   XXXX  ... .I purchase  XXXX  Gift Cards I the following amounts {$1400.00}  XXXX   XXXX   2017  and  XXXX   XXXX   XXXX   2017  ... Received phone call fro m JPMorgan ( CHASE ) Bank stating that one of the was Forgery {$1400.00} and the other one {$1900.00} had possible bad signatur e.Both checks where drawn on the   XXXX    XXXX   XXXX  ..I was  further told that both checks where being return to my account I should have them  in 7 to 10 days ... ..I was given a bad attitude from my local bank so I called Chase Forger y Department @  XXXX  and was given the same response as the local bank..I further contacted  XXXX  Police was given Case #  XXXX   XXXX   XXXX  2017..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-23 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: NC

Complaint narrative:
I submitted a request to this company to remove unverified accounts that are on my credit report in violation of 15 U.S.C. 1681. They have not done so. The Fair Credit Reporting Act requires every agency that reports credit events ( including Equifax, NOT JUST THE ORIGINAL CREDITOR ) to keep in their OWN ( Equifax 's ) files VERIFIABLE PROOF of everything they report. BY LAW, this proof should come from EQUIFAX, as well as the original creditor. This burden lies of proof lies with them and they ignored it themselves and passed it off to the original creditor. EQUIFAX did NOT send me, from their own files, documents used to verify these accounts. Nor did they send me the name/contact information of the person in their company who " verified '' the information. Them stating that they have reached out to the original creditors for information about the accounts tells all of us, they have not maintained verifiable information in THEIR OWN ( Equifax 's ) personal files. They HAVE NOT produced the copy of the ORIGINAL CREDITORS DOCUMENTATION with my SIGNATURE that should be in their records AT ALL TIMES. I AM DEMANDING THAT EQUIFAX DELETE THESE UNVERIFIED ACCOUNTS IMMEDIATELY : -XXXX XXXX- Acct # XXXX -XXXX- Acct # XXXX ... XXXX -XXXX- Acct # XXXX ... XXXX -XXXX- Acct # XXXX ... XXXX -XXXX- Acct # XXXX ... XXXX I will gladly HIRE A LAWYER as the law is not being upheld, and I will also go to Social Media Outlets to express my dissatisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: WI

Complaint narrative:
The included inquiries were found on my credit report. I called Transunion and they have refused to help me. 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, WI XXXX. Made on XX/XX/XXXX 2 ) XXXX XXXX.XXXX XXXX XXXX XXXX, XXXX , WI XXXX. Made on XX/XX/XXXX. This is stressful as I have tried to go through the proper channels to have this removed and I feel this should be taken more seriously. Transunion calls it a " glitch '' in their system and now will not listen to those effected by it. Thank you, 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 2017-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I called nationstar and advised them that I was XXXX XXXX XXXX due to XXXX and could n't afford the payment and asked could they refinance my loan and they said no. I then applied for a loan medication and nationstar advised they would review my application and get back to me. I would call for a status update and was told that they are still reviewing my loan modification application but would get back to me within a few months. Each time I called they would tell me the same thing. or they would n't return my calls. They finally advised me that they could not approve a loan modification for me because they previously gave me a loan modification. Well now I 'm behind and now about to be foreclosed on. Nationstar new from my very first call that they had previously given me a loan modification, if they would have told me in the beginning that do n't do more modifications instead of having me wait month after month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: FL

Complaint narrative:
victim on credit inquiry and negative information reported on credit report.. I called the credit companies filed complains with them not solved i have negative information on my credit report from XXXX that was reported a payment was sent then returned back into my account because the bank could not match info when i checked i found out later with out notice that payment was sent back. account is settled and paid for XXXX XXXX is still reported negative info on my credit file .. Inquiries on my credit report from XXXX XXXX recently they requested my file on XXXX XXXX XXXX which resulted in a hard inquiry and from XXXX inquiry when i called i found it was from an auto loan place on XXXX XXXX XXXX inquiry. XXXX XXXX which i never authorized a copy of my report which results in a the inquires and negative info report on all XXXX bureas and this is really hurting me.

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 2017-06-23 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Both XXXX XXXX and Bank of America " charged-off '' and " written-off '' my debt. According to the definition of the above it states that both companies Charge off means that the credit grantor wrote your account off of their receivables as a loss.
They have both gotten judgements and put a lien on the title of my home. I am verified XXXX XXXX and this has been communicated to both parties before and during legal action in the courts was taken. I have written XXXX County Superior Court to no avail. Although I do still owe the money, these companies are breaking the law by double dipping. Why the courts protect the big banks over XXXX XXXX persons is a serious injustice and I would like to see accountability in this matter. Part of being XXXX is to say that I am no longer able to work, notwithstanding money is in short supply. As such, hiring an attorney to get these liens off of my title is not an option. Thank you!

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 2017-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
It would appear that my son and I are victims of a predatory loan.
I co-signed a car loan 2 yrs ago for my son. The car was purchased through a local dealership ( XXXX XXXX ) and according to them, my son needed a co-signer due to an insufficient XXXX XXXX. Nothing unusual there. However, when the loan was processed through Chrysler Capital, even though it was a co-signed loan, my name is the only one on the account. I believe this was done purposely for two reasons : it allowed them to NOT report the payments in my son 's credit report which would have increased his XXXX XXXX ; and by preventing this increase, facilitated " locking '' him ( indentured ) into the higher interest for the duration of the loan. I also believe these companies are working together to create this type of situation.
<P/>
They manipulated the paperwork to make it appear as if I were the only signatory on the note ( hard money loan ) for the sole purpose of preserving a high interest loan for 6 years. The result is that my son can not re-finance this vehicle, purchase another vehicle, or purchase a home because of an incorrect XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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:
On or around XX/XX/XXXX I sent a request for validation of a supposed debt to Portfolio Recovery Associates, LLC ( " Portfolio '' ) regarding a XXXX XXXX XXXX XXXX account with a supposed balance of {$3800.00}. I received three responses, datedXX/XX/XXXX, XXXX, and XX/XX/XXXX, all of which stated that I " had the right to request substantiation of this debt '' but containing no substantiation of the debt in response to my validation request. On or around XX/XX/XXXX, I sent a second request for validation and received two responses. On XX/XX/XXXX Portfolio sent a letter advising me that they had " already responded to a previous dispute substantially the same as you present dispute '' and would not be providing the requested validation. OnXX/XX/XXXX, the sent me a nearly identical letter to the first three, stating that I " have the right to request substantiation of the debt '' but without substantiation/validation as required by the Fair Credit Reporting Act. They continue to report this debt on my credit report despite not responding to my validation request as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
They call up to 8 times a day from spoofed numbers. They are rude and use obscene language and wo n't tell me where they are calling from. I call back and then I can get the name of the company. They called at XXXX XXXX also

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have called a total of 5 times between myself and my husband to resolve a problem where we attempted to book a hotel in XX/XX/XXXXusing reward points. The website had an issue not allowing the booking to take place, so I called and made the reservation using Chase Bank 's customer service. On the date we booked, Chase Bank deducted from our account Reward points earned through their rewards program equal to {$570.00}. It should be stated that I booked a second room directly through the hotel chain 's website because the reward program did not have any additional rooms left through their program and I needed a total of two rooms. After checking out and returning from the trip I noticed a second bill from the hotel for almost {$400.00}. After calling Chase customer service who then also contacted the hotel manager, it was determined that the hotel never received any money from Chase through the reward program, so charged our account for the room. Chase on 3 occasions said they would resolve the issue and credit the hotel charge on our account and make sure the hotel got their reward points money. Nearly a month later, nothing has happened despite numerous additional calls to their customer service. We have requested that Chase simply refund the reward points they took to resolve the issue since they never forwarded the cash value to the hotel, but to date they still have done nothing. The hotel got their money directly from our account resolving the hotel 's problem, however that means in total ( points + dollars charged to account ) we have paid nearly {$1000.00} for a {$400.00} hotel room. Their customer service never seems to have any records of us calling even though we could easily prove hours spent on their customer service line on our phone bill. We are thoroughly frustrated and Chase 's customer service just obstructs through endless transfers to other operators and promises to resolve the issue that never happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I originally had a high-interest personal loan with XXXX XXXX, and, after repeated attempts to get XXXX to work with me on their " automatic draft '' dates so that my account with not get hit on a week other than my pay week, I cancelled my auto draft with them and started calling in. I repeatedly asked for them to modify the date of draft and they would not, so I stopped paying them and told them that I would resume my payments when they acknowledged my complaint and updated my records. Rather than do so, they sold my loan to National Credit Adjusters.
I received multiple calls from National Credit Adjusters and on XXXX XXXX, 2017, spoke with one of their representatives, XXXX XXXX XXXX, about making payments. This call was taken on my personal phone after business hours. XXXX then drew up an arrangement and e-mailed it to me ; however, I did not find it originally as it had gone into my spam box.
<P/>
XXXX has since ( i.e., XXXX XXXX, 2017 ), called me multiple times nearly every day, even though I have repeatedly told him I do not take personal calls during the day. He then rang me through my employer 's number on Monday, XXXX XXXX, 2017 at XXXX XXXX I told him emphatically NOT to call me at work, and explained that I would be making my first payment the end of XXXX. XXXX called me again at my place of employment on XXXX XXXX, 2017, and was told that I was attending the funeral of one of my co-workers. He again called today, XXXX XXXX, 2017, at XXXX XXXX and began asking for information regarding the name of my employer, my job position, etc., and I asked our Administrative Assistant to tell him again, not to call me on my work phone. I have now instructed everybody at work not to take his calls and I have advised his company that I have filed complaints with any agency that handles these types of situations.
<P/>
The specific information regarding XXXX XXXX and this organization is as follows : National Credit Adjusters XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, KS XXXX Toll Free : XXXX Fax : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/2017 and are proceeding to sale set for X/XX/17 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. The lender is also not allowing time for the appeal period to be address and responded to prior to proceeding to sale. The denial letter has also not been received.

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 2017-06-23 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: AL

Complaint narrative:
I have sent multiple requests to have all NONE ACCOUNT HOLDING INQUIRIES taken off of my credit report, to XXXX Transunion, and XXXX. These have been in separate letters roughly every 30 -45 days dating as far back as XXXX XXXX. I have not received any sort of confirmation that this has been taken care of, and they refuse to give my any kind of explanation as to why I have over 30 inquiries on my report and yet i only have very few accounts open. I do believe it is my right to have only an accurate description of my character displayed on my credit report and by these excessive inquiries, it hinders me from being able to obtain not only personal credit, but credit for my business and livelihood as well. I will supply you with all of the inquiries that are NONE ACCOUNT HOLDING below. Please let me know what can be done in regards to this. Again i have made several attempts to work with the credit reporting agencies and have them remove these, and they have made no attempts to comply with my request or even acknowledge my requests. Iquiries and dates : XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX 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 XXXX 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 XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can clearly see, there is an excessive amount of inquiries that are none account holding, these are damaging my credit report and the Credit Reporting Agencies REFUSE to remove them. This is a violation of my rights and I demand they be removed from my credit file or in accordance to the FCRA i will file a motion for damages. Thank you for your help.

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