vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I used Western Union to send money to XXXX, XXXX. The recipient was not able to pickup the money due to local identification rules. I ordered the cancellation and refund of the money through the telephone. They did say that it was cancelled and refunded directly to the card ; which was false. Then I chatted with an employee through their chat system ; the employee stated that she cancelled transaction and issue a refund. Then I went to pick up the money, but the transaction number provided to me was not correct. After that, I went to the originator XXXX XXXX and tried to pick up the money, as instructed via telephone conversation wit a the call center attendance ; they said that the transaction was not found, even with a new number that was issue to me after I called three times. I asked to speak with a supervisor at XXXX who did not know what to do. XXXX employees maltreated me and were somewhat offensive toward me. The total amount to be refunded was {$350.00}. I spent more than half a day trying different Western Union establishments, as instructed by the company 's attendants. My time and money spent doing this was lost. ( WU are not going to pay for the time lost. ) Western Union and its affiliates are cheating the public. If the individual does not know how to work the system or is in fear of deportation like the majority of Western Union customers, they will loose lose the money, and probably the company will keep the money in its arcs. They are cheating the immigrants individuals that work hard to send money to their families in XXXX XXXX and probably other countries. The CFBP can not allow this to continue and thoroughly investigate all instances of this type of fraud committed by Western Union and other companies. The Congress should start an investigation over these practices of financial fraud of our hard working immigrants.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HW Holding, Inc
State: TX

Complaint narrative:
I contacted Hunter Warfield about a debt showing on my credit report XX/XX/2021. I explained the situation and the discrepancies. The email I sent was " I do not agree to this collection. I know this is not at fault of Hunter Warfield, but of XXXX XXXX XXXX XXXX. I have already attempted to contact XXXX XXXX on numerous occasions and get nothing but a run around from them. They state they no longer own the account and it is out of their hands. The collection is not really of concern to me as it is not hindering me in anyway, but at the same time I am conflicted because it shows a balance that I owe and I absolutely hate owing anyone. I do not know how to clear this up at this point. I feel like I have exhausted all avenues. I am willing to settle this account for {$1600.00}. Please let me know if that is acceptable. If so please send me correspondence so I can take care of it. If not, please cease and desist all future communication. '' They sent a very generic response, and were unwilling to discuss the issue therefore I requested once again they cease and desist all future communication. 
Today I was contacted by Hunter Warfield XX/XX/2021 at XXXX via email. I did respond and remind them I have requested to cease and desist communication on XX/XX/2021.

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 2021-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Because of the pandemic, I fell behind on my auto loan, I contacted the lender and ask for a payment deferral. My request was approved and any payments missed would be applied to the end of my loan. On or about XX/XX/2021 I contacted the lender to update my financial status at which time I was informed that my vehicle has been placed for repossession and the loan has been written off. The representative said the only way to cancel the repossession is to pay the past due amount of XXXX. I WAS ABLE TO PAY XXXX In XXXX and I paid the rest of the past due in XX/XX/2021. Because my business was slow to recover I started to fall behind again for the months of XXXX XXXX and XX/XX/2021 for a total of XXXX. When I contacted the lender to make the payment I was informed yet again that my vehicle has been placed for repossession and the past due was over XXXX. I tried to resolve the discrepancy but they would not tell me how they arrived at that amount. When I checked my statement online I was not able to locate the XX/XX/2021 statement, I called the lender and the lady I spoke with was very helpful, she was having problems trying to understand what was going on with my account and had to put me on hold several time 's, finally, she said she can't figure out what is going on that she would have to get a manager involved. She also noticed that billing had my address in Colorado not California

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 53 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 53 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 52 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 52 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
There is a mix up of a account that has been placed on my credit profile by Infiniti Financial Services on XX/XX/2020 .Stating that there is a late payment which wasn't. My vehicle was in a accident and was paid off by the insurance policy XX/XX/XXXXinsurance. My account was paid in Full and there is a {$0.00} balance or any late payments at all. This is not a Derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
I was illegally moved out of my lease after putting a notice to vacate and was precise that I would finish lease but wanted to put in advance of 60 day window to be able to keep deposit. They moved me out of apartment while I was still paying rent ( on time ) was never notified of situation. The sent remaining money that would have been on the lease straight to collections and didnt work or talk anything out. Lease ended this month this collections where sent in XXXX so lease was almost up. They sent me a bill saying XXXX on XX/XX/25 but sent to collections a bill of XXXX. The apartments are XXXX XXXX XXXX in XXXX XXXX and debt collection agency is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX Portfolio Recovery called and hung up. This debt was written off by the initial company and was removed from my credit report yet they keep trying to collect it. When you do talk to them they are rude and tell you still owe. These calls are always coming from a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been more than 35 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
XX/XX/XXXX SLS appeared on my credit report, I have never heard of this company. This Is account is falsely being reported to the credit agencies. This foreclosure happened in XX/XX/XXXX. There was a zero balance was left with XXXX XXXX, the home collapsed and doesn't exist anymore. I received no documentation regarding any outstanding balance in XXXX XXXX years. I have never received any debt validation letters from SLS. This company is in violation of the FDCPA and FCRA.

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 2021-07-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been over 35 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/26 I paid the current balance ( not the statement balance ) on my card. Paid current balance then was charged finance charge on XXXX balance XXXX weeks later. Stating that the current balance is not the actual balance even after paying off and showing a XXXX balance. I received no phone notifications that my account was 30 days late let alone 60 days. I went to pay off the balance of XXXX and called customer service only to be told you can not pick the current balance but the payoff balance but when you try it is not even available and that the actual payoff would be XXXX cents more. Did another payment to include the XXXX cents. Totally XXXX. Gave me address to dispute community bank XXXX XXXX XXXX XXXX Ohio XXXX. When asked she said on XX/XX/XXXX someone called but no message left the. Said she wasnt sure if they contacted me at all maybe just statements in the mail. How can they charge n XXXX then apply min interest fees etc without notification that your account is past due? No emails calls nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Prior to XX/XX/XXXX, worked two part-time jobs.

Affected by COVID, maintained only one, part-time job through XX/XX/XXXX. 

In XX/XX/XXXX, requested COVID relief from mortgage company, XXXX Mortgage. 

XX/XX/XXXX, XXXX XXXX  sold my home loan to an investor. My loan is now managed by Select Portfolio Servicing , Inc . 

XX/XX/XXXX, Mortgage payments resumed, submitted Assistance Review Application for repayment options. 

XX/XX/XXXX, SPS is not providing payment options. SPS requires full payment of forbearance amount ( approximately {$15000.00} ), or Short Sale. 

XX/XX/XXXX, Submitted an Appeal to this decision XX/XX/XXXX, Appeal denied by SPS and stand on initial proposal to repay forbearance in full or Short Sale or Deed in Lieu of Foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 52 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 52 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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 — Card was charged for something you did not purchase with the card
Company: SLM CORPORATION
State: NY

Complaint narrative:
This bank is horrible to me I didnt even use my card I lost it and saw a fraud charge large amount they refuses to help me when I called them to report this that I had lost my card and found a charge I didnt even begin using my account Im a new cardholder and their giving me this experience and hard time they refuse to refund me my money its nit fair I should be liable for this charge it was unauthorized but they tell me they dont have a zero fraud liability and I reported this promptly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I had sent a letter to XXXX, XXXX  and Transunion about my personal information on XX/XX/2021. I have not seen any change on my report or got any response from the bureaus. I would like the changes I asked for to be made.

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 2021-07-20 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: MD

Complaint narrative:
I had sent a letter to XXXX, Experian and XXXX  about my personal information on XX/XX/2021. I have not seen any change on my report or got any response from the bureaus. I would like the changes I asked for to be made.

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 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners
State: TX

Complaint narrative:
Called twice one right after another and then called again a few hours later on XX/XX/21 and called with a few hours on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My grandmother added me to her credit card. The card reports to XXXX  and XXXX, but not to XXXX. Can this be corrected?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: FL

Complaint narrative:
For the past 2 months we continuously receive letters indicating that the waiting period has expired for the VA mortgage loan. 
I'm a XXXX XXXX for a large bank and when I first opened the letter I got very confused and overwhelmed. The letter looks like I could be from the government, shows the year on the top right like you would see in your tax returns. No where in the body of the letter they identify themselves as a third party or their intent to prospect for refinancing. Their method of prospecting is very deceiving and unethical.

Company response to consumer: Closed with explanation