vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
My complaint is inregards to business with Western Union, as a customer I truly feel they practice Deceptive business practices and I feel I am a victim to these practices. 
I purchased three money orders to pay my rent. I made them payable to XXXX XXXX and mailed them, XXXX XXXX informed me that they never recieved them. The money orders have not been cashed so I considered them lost. 
I followed instructions on reciepts in regards to get a refund. Around XX/XX/XXXX I called wester union customer service and stated that the money orders were lost and I needed a refund. Western Union customer service told me to wait 15 days then mail in original copies filled out signed and make photo copies for my own records. 
I felt odd that western union customer service wanted originals, and I literally asked twice if it was nessasary to send originals and not a photo copy, the customer service rep stated Yes, then stated I must send in {$15.00} dollar per money order processing fee for refund request then wait 30 days for refund. 
I did not feel comfortable sending in fee so I asked if western union could deduct it from the refund, the customer service rep said yes. I mailed money order reciepts in on XX/XX/2018 to a post office box that the western union receipt states, and was confident that I would recieve refund in 30 days minus processing fee. 
30 days passed and I didnt recieve anything. I called western union customer service on wendsday the XXXX of XXXX and western union service rep told me western union havent recieved Any Reciepts from me, this upset me and made me fill very uncomfortable. The western union representative seemed to just keep reading a script that ran me in circles, the service rep Literally told me I had to mail the reciepts again and wait 30 days. I told the rep I dont have physical copies because I was clearly told that it was Procedure that I mail Original Copies to them. 
I then asked if western union had an email address I could scan the copies I have to western union,  they said Yes scan them too XXXX. 
I then asked why the service rep did not have me scan copies to that address originally instead of stating it was procedure to mail original copies, and the rep would not answer directly, and that made me fill uncomfortable and truly felt their business practices were deceptive. She stated I should scan the reciepts, and call back in 5 business days. 
I feel the customer service is terrible, and I still have not recieved a refund after I followed the procedures stated to me over a month ago. 
I could not imagine the frustration an elderly person or mentally disabled person would have with the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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 information was used fraudulently on my report. As a result accounts are on my report that are not mine. 







XXXX XXXX XXXX Status Closed Balance {$530.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$3200.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX XXXXXXXX Status Closed Balance {$1800.00} Type Collection Payment Status Late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07 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: GA

Complaint narrative:
This complaint deals with Transunion not being truthful/being dishonest about the investigation results from a dispute which I submitted. I disputed the public record, and Transunion stated that it verified the public record with XXXX. I contacted XXXX and there are no public record on my XXXX consumer disclosure ( s ). On page 3 of the attachment from Transunion.comXXXX, it states that " if a bankruptcy appears in the public record section of your Transunion credit report, Transunion obtained information about your bankruptcy from our third-party vendor, XXXX. '' Well, I know that there are no bankruptcy records with XXXX, and also all of my XXXX disclosures have been suppressed, and I have a security freeze ( pages 6, 7, and 8 of the attachment confirms this information ). 
Because Transunion has been dishonest about there investigation results, I request Transunion delete the public record from my credit report immediately. 
As the attached documentation shows, XXXX has no record of a bankruptcy in my files, and also my XXXX reports have all been suppressed, and I have a security freeze. Transunion has stated that it uses the vendor XXXX to verify public records. I strenuously demand that Transunion delete the public record from my credit 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 2018-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
Ideal collection services is falsely adding a collections account to my credit report. I was NEVER contacted by this company in regards to such claim. I was never provided any documents, i was spoken to very rudely when i called them. I was advised from them to send a copy of my ID & Affidavit to dispute this issue. Which i did! But still no response from them. They have refused to remove this item from my credit report. They're very unprofessional and spoke to me so disrespectfully. I am very concerned with what they're going to do with my personal information that was sent to dispute this negative item on my credit report. 

I was not given a fair shot to dispute this information before it affected my credit report, which violated my rights. Then i sent in all the correct supporting documents ( which was advised from them ) and they still never communicated back to me by removing this item, never sent me any details about this false account. I want this item removed from my credit report, as it is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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 information was used fraudulently on my report. As a result accounts are on my report that are not mine. 







XXXX XXXX XXXX Status Closed Balance {$530.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX  XXXX Status Closed Balance {$3200.00} Type Collection Payment Status Late XXXX XXXX XXXX XXXX XXXXXXXX Status Closed Balance {$1800.00} Type Collection Payment Status Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07 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:
There are credit enquiries that are unknown to me. I never authorize anyone to use or run my credit. 








XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX  Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX TXXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Employment Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX DE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
The cfpb is currently suing your company/respresented company. Per a consent order filed, all collection activity must stop and all funds must be held in an escrow account until a settlement is reached. As of XX/XX/XXXX, a wage disbursement order was faxed over to my employer XXXX XXXX, requesting that funds be withdrawn from my paycheck and mailed directly to your company. I have no been notified of any settlement reached. If none has been, then this is a violation of the cosent order in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: VW Credit
State: TN

Complaint narrative:
VW Credit account XXXX The payments on this account have been reported and changed over and over. It had showed payments on time after disputed and then it changed again to show negative payment history. The reporting has been inconsistent over the several months that I have been trying to get in corrected. Each time VW Credit says the account has been verified. Clearly it is unverified because the payment history changes every month and is being reported differently to XXXX, XXXX, XXXX, and XXXX.These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. VW Credit has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. 

I have asked the creditor to provide physical proof and verification of the payment history on numerous occasions and they have failed to verify this information but continue to report it inconstantly to the credit bureaus. It obliviously cant be correct and verified when it keeps changing and is not being reported the same to all bureaus. 

The last payment that they are reporting was made from XXXX XXXX on a payoff. It was based on a 10 day payoff and was submitted in plenty of time to be on time and should not be showing late. 

I demand that these specific and unverified information be corrected immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX there was a debit from my account for {$210.00} that caused my account to be overdrawn. On this day, there were absolutely no other transactions pending. They reordered my transactions, causing 4 overdrafts instead of one and even charged overdrafts on the charges that had already cleared. I work in banking and I am well aware of the reordering. This is absolutely not to insure " the most important transactions get paid first '' As the charge that over drafted my account wasn't even paid anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was never late or past due. This account was paid on time, every time XXXX XXXX   Account Number XXXX Account Type Installment Loan Terms 051 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance {$19000.00} Monthly Payment {$550.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2018-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This is a follow up case after filing case number XXXX on XX/XX/XXXX and case number XXXX on XX/XX/XXXX. Specialized Loan Servicing has responded to my case by stating that I have missed my monthly mortgage payment on XX/XX/XXXX in the amount of {$1300.00}. I beg to disagree with SLS and I would like to show proof that I have made my monthly mortgage payment on XX/XX/XXXX. The payment of {$1300.00} was made through XXXX XXXX dated XX/XX/XXXX in the amount of {$1300.00} payable to Specialized Loan Servicing with tracking number XXXX. Funds were deducted from my XXXX XXXX account number XXXX. Attached is a true copy of the official receipt from XXXX XXXX as proof of this payment. I have also made my monthly mortgage payments for the month of XX/XX/XXXX on XX/XX/XXXX in the amount of {$1400.00} and for the month of XXXX  on XX/XX/XXXX in the amount of {$1400.00}. As I have stated before, I have always made sure that I pay my monthly mortgage every month before the 5th day of the new month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was never late or past due. This account was paid on time, every time XXXXXX/XX/XXXX Account Number XXXX Account Type Installment Loan Terms 051 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance {$19000.00} Monthly Payment {$550.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2018-09-07 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: FL

Complaint narrative:
This account was never late or past due. This account was paid on time, every time XXXXXXXX XXXX Account Number XXXX Account Type Installment Loan Terms 051 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance {$19000.00} Monthly Payment {$550.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
The cfpb is currently suing your company/respresented company. Per a consent order filed, all collection activity must stop and all funds must be held in an escrow account until a settlement is reached. As of XX/XX/XXXX, a wage disbursement order was faxed over to my employer XXXX XXXX, requesting that funds be withdrawn from my paycheck and mailed directly to your company. I have no been notified of any settlement reached. If none has been, then this is a violation of the cosent order in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Credit Adjustments Inc
State: MT

Complaint narrative:
I agreed to a compromised amount for my student loan of 10 years that I never knew existed in XX/XX/2018. I began making payments in XX/XX/2018. I called the company that made the compromise with me on XX/XX/2018 and specified I wanted to pay the remaining balance off in full. The representative added the amount up for me and I paid the amount I was told is the FULL BALANCE. He assured me I would receive a paid in full letter in 3-4 days. 3 weeks went by and I had not received anything so I called them back to see where my letter was. They then stated that the representative gave me the wrong amount by {$50.00} and since my compromise was to be paid in full by XX/XX/2018 and was not due to them giving me the wrong information I now owed an additional {$1400.00} in interest and fees. I asked why no one gave me a call in those 10 to let me know THEY had made a mistake and she said she would research the situation and get back to 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 2018-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
They are calling for the previous owner of the phone number. I do not know who he is and the debit is not mine. I've been asking them to stop calling for TWO YEARS and they robocall me EVERY SINGLE day M-F. This number now belongs to a business, not a person. 

Transworld Systems Incorporated calling from : XXXX XXXX XXXX XXXX asking for a return call to XXXX with a reference number of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: GA

Complaint narrative:
I am contacting you in regards to my credit file and the errors of fraudulent accounts that was placed on my credit file. I sent over several certified letters dating back to 3 months back XX/XX/2018 and it's been more than 90 days now where I havent received any documents of any original contracts with my signature on it from any of the 3 major credit bureaus, creditors, nor I didnt receive anything to date. I have placed an attachment along with my license and social security card. I am disputing these accoutns as fraudulent, I have no clue and who they may belong to. I am also disputing all the accounts on the attachment as an internal dispute. If you choose not to reply to this final goodwill letter before its up to you. This is my final attempt to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Upon my divorce I refinanced my mortgage through Wells Fargo. The payments continued to rise. I recently spoke with a HUD representative who upon review of my documents says it appeared by loan has not been modified under the gov. program. Its was supposed to be an FHA loan. In looking I see that there are many of unsatisfied and even a lawsuit against Wells Fargo for how they processed loans to home owners and not following regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: VA

Complaint narrative:
I have a problem with American Credit Acceptance i have gotten a extension due to loss of job and when my regular payments started back up i Called them after the second payment to see why my payment was just gone towards entrance and not the principle explain to me after 4 months of getting caught up with interest that my payments will start going towards The principle. And here it is XXXX and I'm still sitting at the amount that i owe in XXXX of this year now. I haven't missed a single payment and I'm just lose i called the company to ask what's gone on and they can't even tell me what's gone on so i need help to be done with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation