vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Yesterday morning, friend attempted to send me an instant cash transfer of $ XXXX from his city of XXXX, NC to mine, XXXX XXXX, CA using Western Union. At the office he visited on XXXX XXXX in XXXX, he was charged {$230.00} to send $ XXXX and was told the money would be available right away. He handed over {$4200.00} -- in cash, not using a check, just plain cash! -- to the Western Union cashier. He was given a receipt with a transfer tracking number associated with it. Moreover, despite him telling the cashier how to spell my first name ( XXXX ) three times, he misspelled it, " XXXX. '' My friend called the 800 number immediately to get this resolved, and they promised to resolve it and call him right back -- and they did not do so. 

As of the evening ( PST ), four hours later, I went to the Western Union on XXXX XXXX. in XXXX, CA, gave them the tracking number ( XXXX ), and attempted to get my $ XXXX. They told me that there was no transfer associated with that number. I tried to get the cashier to speak with my friend who was on the phone from NC. My friend also sent me a photo of his paper receipt, but the agent would not even look at it. He claimed that their office is a " third party provider '' with no access to any information, and that my friend would simply need to call the 800 number. When he called the 800 number, the person on the line said that the transfer was " under review '' but they would not connect him with the unit reviewing his ( cash! ) transfer. They said they would call him within 2 hours, but that commitment was not kept. They never called him yesterday. 

Today, my friend ( the money sender ) called once again to see what was going on with his/my cash. At this point, a Western Union supervisor told him that because of the size of the transfer, it was on hold and under review for 48 hours -- a different set of excuses than yesterday 's ( the 2 hour review period ) on the same 800 number. No one had told him this when he handed over {$4200.00} in cash at the  office in NC -- they gave him the impression that it was an instant transfer. Had we known of this 48 hour delay, my friend simply would have XXXX XXXX me a cashier 's check from his bank, and I would already have it, today -- for about 10 % of the cost! 

Western Union has {$4200.00} of our money and has been deceitful about the process. They advertised an instant transfer, which is why we used them instead of overnighting a bank check. But this was a lie. They still have our $ XXXX, and they have charged us {$230.00} for deceitful service. It not only feels like usury, but at this point, with our money missing, it is plain corporate theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/19 a payment was submitted for {$1000.00} it should have been for {$100.00}. I called the company and the representative said 3-5 business days to see if it will be approved. My bank is overdrawn and I need the funds back into my bank account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: K A P S & CO (USA) LLC
State: CA

Complaint narrative:
This company placed a fraudulent debt on my credit. I have never received any communications from this company regarding this matter. This debt is not mine and they are committing fraud by placing it on my credit. This is a violation of the FDCPA, and I demand immediate removal of this debt from my credit reports and at no time should this debt be re-reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: MI

Complaint narrative:
XXXXSN, and DOB both incorrect, Sent corrective information to " Equifax '' two ( 2 ) times Nothing happened ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I went to the teller at XXXX XXXX XXXX and she informed me that my XXXX cash payment for my credit card would post immediately. Which was not correct. Because the transaction was done incorrectly I requested to have my cash returned. TD bank then states they are unable to reverse the transaction and my cash payment would not be available for 2-3 business days. My payday and the transaction occurred on Thursday and 2 business days would not complete until Monday or Tuesday. Which is a huge inconvenience to me! How can they misinform me and force me to not have access to my cash over the weekend and about 5 days. I spoke with several managers at various levels who were not helpful or attempted to solve my transaction problem. Im disgusted and nothing good to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2019 - 30 AND 60 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I had a Wells Fargo Secured Visa credit card, it was secured with {$300.00} dollars cash, I called to close the account after having it for a few years, and the balance was right at {$300.00} the customer service agent I spoke with stated that he would apply the {$300.00} dollar security to the card and it would be closed. 

About a month later I received a bill that had a fee charge of {$29.00} dollars and some interest charges attached. 

I called the company and was informed that the fee was charged 1 day after I closed the account. I stated that I was not going to pay for a fee after my account was closed. I currently have a {$41.00} dollar bill on an account that should be closed. I have now been escalated to the " Executive office '' for my account to be reviewed, but only after I had called in twice and spent about a half an hour on the phone each time, and then never got a call back. I called again and told them I would be filling a formal complaint. They have applied the {$300.00} to the bill, but I am still receiving the bills for the fees. 

I was told that a claims agent would get back to me within a week. That was over two weeks ago. I called again today and was told the agent was unavailable at that moment, but that they would send a message to call me back. I never received a phone call back. So I called again and was told the agent had left for the day. They left another message for the agent to call me back. This has been going on since start for about two and a half months now.

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 2019-10-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Updated Equifax dispute letter with adjusted items

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from FCO and made payment to pay off this account and they mentioned that as long I pay the collection account, they will remove this from my credit report. Fast forward several years later, it's still on my credit and attached is a paid-off letter receipt from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Consultants of California
State: CA

Complaint narrative:
0n XX/XX/2019, I received via mail a demand letter requesting I pay almost {$7000.00} in medical bills for the treatment of my XXXX XXXX XXXX son who was in a traffic accident. I have no idea where this came from as my son 's insurance is under his mother ( my ex wife ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The credit card balance was XXXX and I got a bill on XX/XX/2019 for the amount of XXXX. I thought that it was an error and called Best Buy XX/XX/2019 at XXXX XXXX. They told me that my promotional card expired and the deferral fees applies.I have always pay my account on time and it set up directly from checking account. I ask them if they inform me about this and that I need to pay before the promotial expire, They told me that it is in my statement. I want them to show where they tell the client that payment will increase this much and where in the statement gave me the opportunity to pay my balance before this happened.. This is scam, when I applied for this card they told me that after time if I dont pay the balance then they will start charging the fee howver never said to the customer about charging {$4100.00} for fee .Please see the bill, this needs to be bring to the attention of someone. 

I want to bring them to court because they have been doing this to others

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/XXXX inquiry from XXXX XX/XX/XXXX inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX inquiry Bank Of America I Called XXXX and XXXX  twice they did not remove these inquires. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DOB : 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 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/10 a check from my husbands account to mine was placed on hold with the reason being they had received notice of a stop payment on the check. After numerous phone calls and days, they were able to confirm it was a mistake on their end and credited the account and apologized. 

On XXXX, the exact same things occurred again. I have reached out to them and have been told there is no time frame for a case manager to address this repeat problem because they are backlogged. 

We have confirmed with my husbands bank that the check was paid and funds were collected. 

Wells Fargo has been completely unwilling to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
First let me apologize for having to waste your time with my complaint. Unfortunately after several disputes with Experian, they have refused to properly address my issue and remove this improperly reporting account. I reached out to them to dispute an account listed on my credit report under XXXX XXXX. When I looked over the information from the original contract I noticed several things reporting incorrectly. I then disputed the information with Experian asking that they provide me with a copy of the original contract while pointing out the errors that are reporting incorrectly. They refused to do so and insisted that the information had been verified instead. When I finally did get a response by mail, they provided me with an updated copy of my credit report addressing my dispute and basically just switched the late payments around, and adjusted other items which were all still incorrect. I then sent another dispute in and they sent me another response that still did not resolve the issue because they didnt change anything that time which points out that they clearly are not investigating properly and they have no original contract to have the right to report incorrect information. I will include a copy of the reports and will circle the items so that they are clearly visible. On the Before Dispute area, they have the account first reporting in XXXX and the original balance ( which should never change ) at {$24000.00}. They also have removed a late payment from XXXX and moved it to XXXX which is still incorrect. On the After Dispute area, they have the account first reporting XXXX and the original balance something totally different which was {$22000.00}. Both of the original credit limit amounts from the before and after are incorrect based of the original contract I have. I did not include a copy of my contract because I know you have to possibly forward this information to them and I do not want to help them with their investigation since they should have a copy themselves. Thanks for hearing my complaint and I hope we can get this account removed from my Experian report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The credit card company ( Capital One ) closed this account as I requested. The company had a data breach in XX/XX/2019 which impacted the services they provided on this account. 

Now I receive a message from the credit card company telling me that a payment is past due on this account and they are expecting payment. 

How can they do this when the account is closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have unauthorized inquiries on my credit report that. I informed the credit bureaus via writing to investigate my concerns. I will include the original tracking and letters I sent. 
With all these data breaches Im not sure what to do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
XX/XX/2019, I spoke with Credit Acceptance twice regarding my missing car payments XX/XX/2019 thru XX/XX/2019 on all 3 credit reports. They refuse to fix problem they created and violated Federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Macy claim I miss three payment and took my limit down from {$300.00} to {$100.00} after I paid most of the payment it cause my credit to go down 41points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
" WELLS FARGO '' REFINANCE ON MY SECOND HOME. AFTER 4 MONTHS OF AGGRAVATION AND NO GOOD REASON TO MOVE ALONG QUICKLY. THEY HAVE CHANGED AND MANIPULATED MY CLOSING COSTS. I WAS CLEAR FROM THE BEGINNING. I WAS NOT GOING TO PAY ANYTHING OUT OF POCKET. I WAS ASSURED THAT I WOULD HAVE TO ONLY PAY A APPRAISAL FEE. I DID PAY THAT FEE. 
THE DISCLOSURES AND THE CLOSING DOC ALL HAVE DIFFERENT CLOSING COSTS, THAT I WAS TOLD TO IGNORE. NOW AT THE TIME OF CLOSING THEY ARE LOOKING FOR MORE THAN {$4000.00}, THE LOAN AMOUNT HAS DECREASED AS WAS THE INTEREST RATE. 
MOREOVER THEY SEND OUT DOCS ON XX/XX/19 AT XXXX ON THE SAME DAY THEY WANT THEM REVIEWED AND BACK OR ELSE! 
SEE ATTACHED DOCS AND EMAIL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/2019, Wells Fargo/XXXX XXXX XXXX XXXX refuses to take off the hard inquiry off my credit reports. This is part two of my first complaint. 
The representative said -they can't take it off because of FDIC.I told her she is wrong. 
I asked her what law supports your position? I was told it would be a SOFT inquiry by XXXX 's cashier. It was a hard inquiry the next day on my credit reports. 
These 2 businesses are ONE together. 
As a kind business gesture, I am asking again to Well 's Fargo/XXXX XXXX XXXX XXXX to REMOVE this hard inquiry for it was misrepresented by your employee to me. 
Please confirm with a letter to me you did this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 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 — Investigation took more than 30 days
Company: Equidata, Inc.
State: IL

Complaint narrative:
I have unauthorized inquiries on my credit report that. I informed the credit bureaus via writing to investigate my concerns. I will include the original tracking and letters I sent. 
With all these data breaches Im not sure what to do

Company response to consumer: Untimely response