vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Dated : XXXX XX/XX/2020 Money should be deposited by : XXXX XX/XX/2020 Amount : CAD XXXX I transferred CADXXXX.XXXX through my account in the Western Union website with email id XXXX on XXXX XX/XX/2020 ( tracking # XXXX XXXX XXXX ) and money should have been received by the receiver within 7 business days which is by XXXX XX/XX/2020. I called customer service WU on XXXX XX/XX/2020 to get an explanation why the Western Union has withdrawn CADXXXXXXXX  ( CADXXXX.XXXX twice ) on XXXX XX/XX/2020 from XXXX XXXX although they issued just one tracking number for CAD XXXX only. I was told that CAD {$550.00} will be refunded within 7 business days ( by XXXX XX/XX/2020 ) and the other CADXXXXXXXX will be deposited in receiver 's account by XXXX XX/XX/2020. I checked my WU account, my XXXX XXXX account today at XXXX XXXX  eastern time, neither I received the amount CADXXXXXXXX  in my bank account nor the receiver received the money I transferred. I sent an email on XX/XX/2020 from Western Union website with all the facts and asked for refund of whole amount of money ( CADXXXXXXXX  ). I didn't get any reply from Western union.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
I sent a letter to Nationwide Credit & Collection , Inc., located in XXXX XXXX, IL dated XX/XX/2020. I requested for them to allow me to verify this account. I have not received anything from them. However, I received a phone call asking for this account. This person was not a very nice person. She wanted for me to verify my birthdate before she was able to speak to me. I told her I did not know why she was calling me. Instead she hung-up. You will find in the attached letter what it was sent to them. The letter was sent via certified mail with a returned receipt ( # XXXX XXXX XXXX XXXX XXXX ) and they didn't acknowledge that the phone call was illegal. I have requested for them to send me a breakdown of fees from the medical facility, and to provide me a copy of my HIPAA with my signature on it. In inclusion to cease any credit bureaus until this account is verified. They have violated the FDCPA and FCRA. They continue calling without any disregards of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: OK

Complaint narrative:
Sunrise Credit Services , Inc SCS account number : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account number :. ... XXXX Balance due : {$92000.00}. 

SCS is attempting to collect an outdated fraudulent/erroneous balance account/written off by XXXX  XXXX XXXX in XXXX. 
XXXX granted me a HELOC, home equity line of credit in the amount of : $ XXXX {$25000.00} check, {$31000.00} to o remain in XXXX   possession until I requested the remaining balance ; which I didn't and collect XXXX no interest and received no monthly statement s from XXXX  ; Home Equity Line of Credit : the equity in home is collateral for a loan. 
I told XXXX/SCS the property had been sold for one ( 1 ) year unpaid property taxes. 

In previous years I filed a " Double Homestead Exemption '' with the XXXX County Treasurer 's Office, which as " Exempt '' means ; I was free and clear from earlier years of delinquent property taxes, and no delinquent property taxes ; due to my age and disability/employment related injuries. 

The above referenced XXXX  account opened XX/XX/XXXX and closed XXXX. 

It is now : XXXX XX/XX/XXXX, four ( 4 ) years after Credit Bureaus seven ( 7 ) year statute of limitations on debt collections on the HELOC account closed by XXXX in XXXX. 

Someone has, illegally, changed this loan from the original amount of : {$56000.00} to {$92000.00} to {$100000.00}, back to {$92000.00}. 

These amounts appear in the Credit Bureaus files also. 

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 2020-07-08 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: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX  & XXXX  XX/XX/2020 about inaccurate information on my credit report. 

DPT EDXXXX {$30000.00} FORD MOTORS CR {$9600.00} XXXX  {$160.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Financial has not updated my loan information regarding the current balance and payment history for my credit report. The last payment update reported was XX/XX/XXXX and it is now XX/XX/XXXX. I have called the Ally Financial multiple times and the Ally Financial has not given me solid valid solution for the issue. No action has been taken by Ally Financial and the customer service is terrible.

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 2020-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XX/XX/2020 Dear CFPB colleages, My husband and I recently refinanced our home with Navy Federal Credit Union. We closed on our refinance on XX/XX/2020. On XX/XX/2020 we receieved a letter from NFCU indicating that NFCU had completed a post-closing review of the final Closing Disclosure of our Loan ( Loan No. XXXX ) according to RESPA compliance. Noted in the revised Closing Disclsure ( date XX/XX/2020 ) NFCU indcated that {$1000.00} of LENDER CREDITS EXCEEDED the legal limits an dthat our cash to close should be {$1000.00} more that what we received at our closing on XX/XX/2020. I have tried to call the telephone number in the XX/XX/2020 letter for over one month and I have also sent numerous emails to NFCU and have never received a response nor a call back to explain the {$1000.00} charge which exceeded the legal limit. 

Thank you very much. 

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Cell : ( XXXX ) XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with my name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Accounts Receivable Inc.
State: WA

Complaint narrative:
On XXXX I issued a CFPB claim against Accounts receivable report number XXXX. Accounts receivable states that it has not re-aged the negative debt account number XXXX { See attached X-1,2 } My XXXX  and and XXXX  credit report dated XXXX { See Attached X-3,4 } show that the date of first delinquency as XXXX and an on record date until XXXX, XXXX. This contradicts the statement accounts receivable stated on XXXX that XXXX XXXX XXXX XXXX charged off the debt XX/XX/XXXX CFPB report XXXX { see attached X-1,2 } This in turn would mean a 12 year negative debt reflected on my credit report, this is well passed the statute of limitations of 7 years. The debt has been re-aged by accounts receivable, it's statements are frivolous and false and have no merit. Accounts receivable is in violation of the fair credit reporting act and has violated my rights. 


Accounts receivable states in their response to CFPB report number XXXX { see attached X-1,2 } dated XXXX that consumers current address is listed on the statements it provided to verify the debt which is XXXX XXXX  XXXX XXXX WA XXXX. This is not my current address and have never lived at that address. I have enclosed XXXX  credit report dated XXXX to reflect my current address and previous addresses dated XXXX { see attached X-5 } I  was never notified of this debt in writing to challenge the validity of the debt. this is a violation of the fair credit reporting act and must be deleted from my credit file. 


Accounts receivables has blatantly provided false statements to The CFPB about this debt 's current status along with false statements of validity of the debt. Accounts receivable claims has no merit and must be removed from my 3 credit reports. My Fair credit reporting rights have been violated as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
My husband and I have had a Capital One credit card for several years. Due to the COVID-19 State of Delaware mandates, non essential businesses were ordered closed on XX/XX/20 ... my husband is XXXX and the XXXX  he XXXX  and XXXX  was ordered to shut down indefinitely due to the crisis. We contacted our landlord, utility companies and creditors. We also have several credit cards that are used for personal and business purposes. The credit card companies, as a whole. have proactively waived late fees, and if customers needed to defer payments, took requests for payment deferrals due to COVID-19 related income interruptions ... all of our creditors were contacted by online request .... all except Capital One. Capital One only had customer service available by telephone. 
Following is our recent payment history and dates Late Charges were assessed XX/XX/XXXX pymt XX/XX/XXXX pymt XX/XX/XXXX LC  XX/XX/XXXX pymt XX/XX/XXXX LC   XX/XX/XXXX pymt We doubled up payment in XXXX only to be assessed Late Charge in XXXX & XXXX with payments only two days past due date. Capital One has provided no online service to request payment deferrals and no waiver of late fees despite widespread national and state unemployment and deferrals of foreclosures, repossessions and judgements due to COVID-19. Because Capital One makes it necessary to contact customer service by phone, I attempted on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and spent over two hours on hold. When I finally got through and spoke with a representative, the rep ( and her supervisor ) told me that I could not request a payment deferral because I called too close to the payment due date, and I could not request a late fee waiver since I was only an authorized user. Was told my husband would have to call back during the next billing cycle. That is absurd, and was purposedly designed to make it extremely inconvenient for customers to get relief. My husband is not good on the phone and would never be patient enough to hold and should be allowed to make requests online or via email, like all the major banks provide. Even though I explained how many times I already called and how much time spent on hold waiting for help, Capital One provided no further assistance. We have card accounts with XXXX  XXXX XXXX, XXXX, XXXX who all automatically waived late fees ( no request needed ) and had online service to request payment deferrals. I sent emails directly to the executives listed on Capital One website and never received any response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Greetings, In XXXX, I obtained two subprime mortgages from XXXX XXXX XXXX  XXXX to purchase my home. Although, I had average credit score at the time I was sold the mortgage, I was considered dome to go into foreclosure. I was not aware at that time that my community was redlined. In my community within 5 years, 90 % of the people sold the subprime mortgage by XXXX XXXX were XXXX and ended up in foreclosure. 

JP Morgan Chase took over my loans shortly after purchase from XXXX XXXX XXXX.. I spent more than 10 years trying to negotiate fair mortgage terms with chase. On XX/XX/XXXX, I reignited with mortgage complaint about the following matter : 1 ) I was approved for a refinancing by you which was withdrawn without explanation until one of your employees accidentally revealed that my mortgage was in a nonnegotiable category. 
2 ) In my community within 5 years, 90 % of the people sold the subprime mortgage by XXXX XXXX were XXXX and ended up in foreclosure. 
3 ), my mortgage interest rate remains higher that the market rate even though I had good credit. 

In XXXX I realized that my mortgage was not withdrawn my Chase and I was informed that my mortgaged was transferred to another lender. I consider this matter retaliatory and this resulted in my XXXX mortgage not being paid due to lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I've tried to apply for mortgage XXXX Because of wells fargo predatory I have not been able to purchase a home. 
Wells Fargo allowed to purchase a home making for XXXX making $ XXXX Once I told them I had a DBA from years ago that's all that was required. Once in the house there was a hurricane and I contacted them and I was told not to worry about payment due to disaster. 
Once modification was done my payment jumped from XXXX to almost XXXX I didn't know what to do. I was continually told they would give me modification I went through that several times. I was told I could save my house by filing bankruptcy and I made I've XXXX in payment but payments kept changing once payments got up to XXXX I had to let go. All of the money I invested gone. I also had almost XXXX in payments sitting with wells fargo., a young lady ask if she could apply it and that would cause the amount I owed to decrease but the next thing happened wasn't a modification but bankruptcy. I received a letter stating I owed XXXX dollars and agreed to pay and ask if I could pay the attorneys fees of {$800.00} dollars I was told I would have to contact attorney, the attorney told me it was up to wellsfargo.results I lost my home in XX/XX/XXXXat XXXX and can't get a home because of wellsfargo predatory lending. 
I never sat down with anyone about my credit or anything, just went the young lady told me the person who suppose to go over my credit was out.so she told me payment amount and I went and picked up key. 
I know I should have not believed this was a dream come true but I sincerely believed GOD had blessed me with a home. I just want to be able to get me another home. Banks like that won't accept the responsibility for what they did and the hardship they caused me, its OK they have to answer to a higher power one day. I just want that bankruptcy off my credit report so that the years GOD gives me I can live in peace.

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 2020-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with my name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-08 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with my name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-08 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX   XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters to equifax asking to verify information on my credit report. they fail to respond to my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I booked in XX/XX/XXXX a ski festival package with XXXX, in beginning of XX/XX/XXXX the festival was cancelled, after a quick call to the provider i was promised a full refund and after a few days they emailed a few times that by XX/XX/XXXX i will get a full refund. Fast forward to mid XX/XX/XXXXthey just offering a voucher for the future. I went ahead and disputet the charge however chase sided with them, since its a government shutdown, which doesn't mean i have to pay for that and ignoring all the times they guaranteed a dull refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-08 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: Dyck-O'Neal, Inc.
State: NC

Complaint narrative:
Dyck ONeal is reporting collections as open accounts with past due dates and past due amounts.these are COLLECTIONS accounts, NOT open accounts.they are reporting FALSE information in violation of the FDCPA and FCRA.i called them on XX/XX/XXXX to ask why I havent received information I requested in XX/XX/XXXX and they said they sent it in XX/XX/XXXXand would not send it again.thier false information is damaging my credit and they REFUSED to send requested information.they are committing fraud with this inaccurate information and if they dont want to remove it I intend on seeking legal action and expect them to pay the {$1000.00} per item fine as required by federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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