vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I purchased  XXXX   Western Union m oney orders at  XXXX  in  XXXX  o f 2011. I d id not use them for the original purpose and they were set aside uncashed. I found them recently and decided to cash them to regain the face value of the orders, a total of {$38.00}. I was not aware that over time they are subject to a " service charge '' that ultimately consumed the entire face value of the orders, rendering them worthless. This is disclosed in fine print on the rear of the paper order, with no reference or asterisk on the front of the order to indicate such a disclosure exists. Upon cashing them in my regular checking account I received a letter that they 'd been returned, earning a return check fee from my bank as a result. That fee has been waived by my bank given the situation, however I 'm still less the {$38.00} in value. {$38.00} is not a significant amount of money to me and this complaint is being made to draw attention to what I believe is a deceptive and unfair practice. For individuals who have no alternative to using money orders this " service charge '' could be a significant drain on their finances and should at minimum be clearly disclosed or preferably not charged to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XX/XX/XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with 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 non-monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
On  X/XX/17   , I was reviewing my credit report and saw a collection account from SCA Collections , Inc . The amount was for {$55.00}. I am not aware of any outstanding debt with this company or the company they bought the debt from so I decided to initiate written contact. On  X/XX/17    I sent out the first letter ( certified mail ) asking for verification and validation of this debt. Around  XX/XX/17   , I received a response letter from SCA with what they would consider as verification. They also stated if I needed further information I would need to contact the original company directly. From my understanding, the FTC does not consider an itemized printout as verification of a debt from a debt collector. It is also my understanding that it is not my responsibility for the burden of proof on this debt. I wrote a second letter to SCA on  X/XX/17    again asking for verification of this debt ( document bearing my signature ). I received their response to my second letter around  X/XX/17   . They stated they have meet all requirements and provided me with verification which they have not. If they can not provide the proper verification ( document bearing my signature ) I ask that this item please be removed from my credit reports as it is damaging to credit.

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 2017-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Tidalwave Finance Corporation
State: WI

Complaint narrative:
I have called numerous times to get the lien release on vehicle which was paid off  XXXX  .17 and t hey stated its there policy too hold the title for 30 days. I have paid the entire loan in full. I am in a chapter  XXXX , but per the attorney, trustee, state of wi, and the financial the loan is satisfied 100 %. They have no rights to my title. Per laws they have to release lien to me immediately and have not.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Costco Citibank Visa credit card has started charging me and other consumers interest on purchases whenever you get a cash advance in the month even though I had paid the card balance in full for the previous statement closing balance. This is not how the terms of the Costco credit card are! I told Citibank customer service reps this should not be done, but they did not care to rectify it or interested in correcting it.      The initial Citibank rep could not understand it when I talked with her. This should tell you there is a problem here.

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 2017-06-01 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:
I noticed multiple inquries on my credit report with all XXXX bureaus ( XXXX, Transunion & XXXX ) that I did n't recognize. I sent each bureau a letter in writing advising I did n't authorize the inquries. I also noticed that on XXXX alerted me that my personal info was sold on some black marker website. I need all of those inquiries on my report removed. The only inquries that I authorized were my mortgage from 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 2017-06-01 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:
I noticed multiple inquries on my credit report with all 3 bureaus ( XXXX, XXXX & Experian ) that I did n't recognize. I sent each bureau a letter in writing advising I did n't authorize the inquries. I also noticed that on XXXX alerted me that my personal info was sold on some black marker website. I need all of those inquiries on my report removed. The only inquries that I authorized were my mortgage from 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 2017-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
i have received conflicting information on what information is required of me, I have received numerous, ov er 20 conf using emails. I have received multiple phone calls for conference calls with mortgage companies only to be told that the mortgage company does not accept conference calls - all of this is done to delay the decision process. I have also had my privacy invaded, I provided checking account statements for the purpose of verifying the balance only to find that Caliber mortgage investigated all of my personal spending over several months and then they REQUIRE me to explain and substantiate my personal spending habits, spending that has nothing to do with evaluating my credit worthiness. I also believe that on ce Caliber Mo rtgage found out that I am employed by an  XXXX   XXXX , they systematically tried to find reasons to deny my loan, no doubt a form of subtle discrimination. I feel Caliber has evaded my privacy in doing an extensive investigation of my personal spending and then decide to discrimate against me because I am employed by an  XXXX   XXXX . I believe with my employment record and credit rating of over  XXXX , any reasonable mortgage company would approve my loan. I believe there is a possibility of either discrimination or fraud at Caliber.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX ,  XXXX  has been removed off my  XXXX  and  XXXX  credit report but it is still on Equifax and I would like for them to remove it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo Home M ortgage is reporting incorrectly as a foreclosure on my credit file with all  XXXX  of the major credit bureaus. The property was not foreclosed on it was an approved short sale that went thru to completion/ closing without any problems. I previously disputed the status of the account with the credit bureaus however the only change was to note that I disputed the account.

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 2017-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Talbot, Adams, & Moore, Inc.
State: GA

Complaint narrative:
The debt is from  XXXX  credit card company. The debt was included in my chapter  XXXX  bankruptcy (  XXXX  ) that was discharged in  XXXX . I have notified this company of of the fact that I have been  discharged  out of chapter  XXXX  bankruptcy several times. It appears that the debt is being sold time and time again because I continue to get calls and harassment continually by different  collectors  swearing they did n't know that I claimed bankruptcy. I have notified this particular collector of the chapter  XXXX  bankruptcy and its filing number, yet the debt still is appearing on my credit. Just a side note on the credit report it shows that the account was opened in  XXXX . That is n't true. I 've not had an account with this provider since the bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Toyota has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with Toyota. After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a toyota account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I have a conventional loan through Seterus Inc. We pay our payments on time and recently submitted a request for cancellation of PMI. My understanding based on research and Seterus website was that we needed to have 20 % equity on the loan.      Following the appraisal I received a letter advising the value of the home based on the appraisal is {$470000.00}, our loan amount is {$360000.00}. So we have almost 23 % equity but they state in the letter that we need to have 25 % equity.     Are loan companies able to make-up their own rules? I thought the Govt mandated PMI cancellation with 20 % or more equity and on-time payments.     Also, the company states in writing their hours are  XXXX   XXXX  to  XXXX   XXXX  but when calling the number provided it states  XXXX    XXXX   to  XXXX   XXXX , are loan providers not required to be open when customers can actually conact them?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have opened  a Select Saving acco unt number ending  XXXX , routing  XXXX , with TD Bank using their online promotion on  XXXX  -17. I op ened  XXXX  checking account and saving account together and in their web site promotion was promised to pay {$300.00} for checking and {$100.00} for saving account if I fulfill terms in 90 days. I got {$300.00} for checking, while TD bank not posted {$100.00} rewards for saving account. I have kept {$20000.00} in saving account after I opened the account and as per the terms advertised I should get {$100.00} opening bonus. I followed up with the customer service on email multiple time and they confirmed me that I am eligible and will get in 95 days as per the attached email. I followed up now after 95 days over, got to know from their customer service that there was no such promotion. Wh ile  XX/XX/XXXX  email  attached, they promised, I will get the amount, but now they are saying I will not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On  XXXX   XXXX ,    2015 I re ceived a call fro m Chase to verify  some activities on my account. I told the rep then that I have n't done anything in my account and did n't recognize any of the transactions from the particular account they were referring to. ( At the time I had  XXXX  accounts wit h Chase ).  So that 's when I realized that I had lost my debt card and also informed the rep of this as well. Not only were they able to gain access to my online banking but also made changes on my account. On this same date  XXXX  check deposits were made for {$740.00} and {$760.00}, then on  XXXX   XXXX ,  2015   XXXX  more check deposits were made of {$740.00} and {$740.00}. Which were desposited via ATM in  XXXX , IL, I live in  XXXX   XXXX , NJ. They were some construction company checks that I 've never heard of.     In my account at that time was my rent amount of {$1500.00}, which was taken out via ATM withdrawal on  XXXX   XXXX ,    2015. On ce these checks were in the account they withdrew the monies as money orders for those same amounts listed above. I went back and forth with Chase for almost a week signing documents, questionnaires and dealing with some supervisors over the phone with nothing to be accomplished.     Even until after the holidays I was n't able to get this matter resolved until they finally decided that they were going to close all of my accounts with Chase and not be refunded {$1500.00} the monies that was withdrawn from my account at the time the whole fraud case began. But they are also penalizing me for monies owed to them in the amount of {$2300.00}. And wo n't be able to do business with them for the next 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: IN

Complaint narrative:
In  XXXX  o f 2016, I tu rned in a lease with a  Honda dealer. The financing was done through American Honda Financing, and at the end of the lease, I released with Honda. At the time of this transfer, I was told that my two remaining payments on my old lease would be covered and I would not be responsible for this.       When I received a bill from Honda Finance with the end of lease balance, these two monthly payments were included on the bill. Instead of paying this, I tried to communicate my concerns with the dealership and with Honda Finance, but to no avail. They kept threatening that this would be reported as significant late payments on my credit, and kept trying to get me on a payment plan. I ended up making a significant payment with them and setting up a payment plan for the rest in the hope I would get it resolved before the next payment. I did not resolve the issue with them ever, as they kept giving me the runaround every time I called. I ended up paying off the balance in a settlement and the account was closed.      While this entire process was extremely draining, and I was very frustrated with the process and the outcome, the next issue involves their willingness to make any adjustments on my credit.     I went to apply for a home mortgage, and the lender told me these late payments were significantly  affecting my credit, as there was multiple occurrences of 30,60,90 days late while I was trying to work this out with Honda. I called Honda to try to resolve the issue and have them work with me on correcting these late payments on my credit report. Because I paid the balance and admitted this debt to b e mine, they would not adjust their report to the credit bureaus, as they took zero responsibility for this situation.     Their escalation specialists would not even put me through to  a manager, and I  had to call the next day and ask someone different to get me to their  manager.      He called me later that day, and while he asked me to explain what was going on, he became very rude in the end and told me while they did have the ability to adjust this on my credit, he had made his decision and would not be moving forward. There was a complete lack of respect for a borrower who has been with them for 7 years. Credit reports have significant impacts on people 's daily lives, and because they were not willing to relieve the simple late payment history on a one-time occurrence, they are hindering my ability to work on repairing my credit in order to purchase a home. I feel very trapped and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: MA

Complaint narrative:
XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XXXX XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: MA

Complaint narrative:
XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XXXX XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with 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