vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
On XX/XX/XXXX, I completed a money transfer to the XXXX in the amount of {$3900.00} + XXXX fee = {$4000.00} through Western Union. I was asked to upload my ID which I did. The XXXX is XXXX. Nothing unusual in the process until I received an email that my transaction has been declined. I checked back on the app and it still shows that my transaction is " in progress. '' The communication with Western Union has not been the best and since I knew that Western Union does not have the best communication I gave it a few days to update the status on the app. Even at this time, the app continues to show that the transaction is in progress. 

Today, XX/XX/XXXX, I contacted the customer service for the Western Union and asked why was my transaction declined. The reason given to me was it was declined due to a business decision. The rep suggested to start a new transfer using a different location. I asked why a different location. I also asked to clarify if I can or can not use the Western Union app anymore. 

The verbiage use appeared to be misleading or confusing. Basically my understanding is that I could not use the app anymore and I have to go to another location. The rep said that I can still use the app but I just need to start a new transaction. At this time, I have a feeling that the reason why my transaction was declined was not about the app at all. Again, I asked what is the business decision and the rep said there are no other information related to the reason. I asked again perhaps that Western Union can not honor the rate on the app. NO other information was given. 

This has happened a couple times in the past but I never had time to actually investigate nor did my recipient have time to wait for the money I was sending. Fortunately today, I have the time off and my family is not in dire need of my remittance. I would definitely like to get this resolved sooner than later so my family does not to wait longer unnecessarily. 

In the past, it seemed to be a similar situation, My transaction was declined and was told that it was my bank. Then I called my bank and bank said Western Union didnt even attempt to draw ( meaning it was cancelled without contacting my bank ). Another time, it was saying that I met my limit already which is not true nor accurate based on the information that their own customer service told me. But in these past cancelled transactions, I noticed that the rate was higher ( about XXXX higher ) than the current one. 

I just want to know if this is legal and allowed. It seems like it should not be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I have called Holloway Credit Solutions, LLC twice now to inform them that I have paid a debt that it is attempting to collect. I called first in XX/XX/XXXX. I have proof of payment that was paid in XXXX of XXXX. Holloway Credit Solutions has continued to harass me about the debt. I called again today, XX/XX/XXXX. I again presented evidence that the payment was made. I have the statement from my HSA debit card to the provider for the exact amount owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Sir/Madam, Greetings! 
I have a XXXX XXXX App from where I first got Email notification regarding my recent Hard Inquiries on XX/XX/2023 : Equifax - 4 Hard Inquiries and on XXXX - 1 Hard Inquiry. For this I called, Equifax and they advised me to get FTC Report, for that I went to XXXX XXXX Police Department and filed a complaint about these 5 Hard Inquiries which is absolutely a fraud activity on a single day ( XX/XX/2023 ). Upon inquiry, the Police Department, never provide any FTC Report and they were even unaware of it and this was the information initially provided by Equifax Representative when I called them on XX/XX/2023 ; however, the Police Department gave me the Complaint Number XXXX and asked me to call Credit Bureau and I called this morning ( XX/XX/2023 at XXXX XXXX ) to Equifax providing them with Police Complaint Number but they now saying to go online ( ftc.gov ) and print the submitted form and send us back along with the copy of my ID, SSN and a written letter. Meanwhile, I also received 1 Credit Card from the XXXXXXXX XXXX and its related to one of the fraud hard inquiry activity reported on Equifax which I never applied to.

I, therefore, request you to provide me a FTC Report which I can forward and have them disputed from both Credit Bureau Agency ( Equifax and XXXX ). Thanking You, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states are consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
It is against the law to have medical debt on your credit report. Also I have not received any paperwork proving that I signed and agreed that this debt is mine. Also HIPPA violation to have this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I had found a used car at XXXX XXXX, a large dealership based out of XXXX XXXX, WI, and had gone in to test drive it, applied for financing, submitted all requested documents to the dealership needed for financing the car and set up a date for them to deliver the car. They had delivered the car to my house, had me sign the purchase contract, financing paperwork, and the loan agreement. I had also signed the same documents electronically and received my copies of the documents that were also signed by the dealership. I gave them a check for {$4000.00}, which was the down payment I was making on the vehicle, which cleared from our account a few days later. They then reached out to me 7 days later to tell me that the financing was not completed with the bank yet and they needed more information. I had informed them that I had a recent change in my employment and I was going back to my previous employer after a few weeks, but I was in between jobs for the time being. They then told me that I no longer then could have the car and that they were going to be taking the car back because it belonged to the dealership, despite me having already signed all of the documents with the dealership. My first payment was not yet due for another 4 weeks according to my loan contract that the dealership and I had both signed. They had demanded that they needed drivers to come get the car or I needed to take it back, and I told them that I needed to look into things because I had already signed legal documents purchasing the car. They proceeded to call me 9 times within 20 minutes and sent me several text messages threatening to escalate things further and using tactics to try intimidating me into complying. I have since returned the car to the dealership due to their threats and harassment. I was also never made to sign an off site disclosure informing me of my rights in the state of Wisconsin associated with an off site sale.

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 2023-03-01 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2022, I was charged {$140.00} for a subscription that I did not authorize. The company claimed I had agreed to the renewal in advance but, at the time of initial purchase, I made sure auto-renewal was not enabled. I do this with every service related to my business. 

Similar to my other filed complaint ( XXXX ), I have had to repeatedly dispute this transaction with Apple Card . This issue, in addition to the other complaint, is what led me to cancel my card with Goldman Sachs and Apple. 

Per their request, I provided detailed communication to Apple Card about how I was charged without my authorization. I provided written communication and screenshots of my current account type with XXXX ( I have the " free '' version ) to Apple 's dispute department. 

For whatever reason, Apple Card continued to tell me that their dispute resolution team found that I was still liable for an annual subscription that I did not authorize. To date, I still have the " free '' version of the service and have not used the service at any point that I was charged. 

Apple auto-drafted a portion of the {$140.00} as payment after denying my dispute for the XXXX time. 

In XXXX, I had a credit of {$94.00}. In XXXX, when they reversed the charges again my balance went from $ XXXX to owing {$57.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
Hello I need help with disputing XXXX credit card company I have been trying to get help on charges that are placed on my account that are not true and Im getting heavily fined for the amount of XXXX every month in late fees also interest purchase fees and regular interest fees as well also account maintenance fees every month thats additional to the regular amount thats due Im not late on the bill I found out they gave me late charges because of me not paying my bill on the XXXX of each month Instead I was paying it too early on the XXXX or XXXX of each month so therefore I got charged every month since I opened the account and thats why I could never pay it down please help me or point me in the right direction I called several times last month and now Im in this month with no help I talk with several representatives on XXXX and a supervisor who told me they would go sheet And waive the late fee for XXXX not today on XXXX XXXX at XXXX Im being told no they cant do it I was told that in XXXX if I go ahead and pay the minimum of XXXX then I wouldnt have to pay XXXX late fee if XXXX not that has changed I will never post this card off because they keep hitting me with all the hidden fees and scam charges in fees, interest Etc I also got hit with the over the limit fee because my fee and interest fees keep making my account go over the limit when Im not my credit line is XXXX with my current balance is XXXX and credit limit as of yesterday was XXXX but today XX/XX/XXXX it has miraculously changed to XXXX so they basically got me paying outlandish fees month and I havent used the card for purchase since XXXX of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: ME

Complaint narrative:
I consolidated my loans to work towards PSLF and they were transferred to MOHELA on XX/XX/XXXX. I received two separate notices from MOHELA on XX/XX/XXXX both claiming that my employers had not provided signatures or that the signatures were not in the proper form. In their communication, MOHELA did not identify which employers were the cause of the issue or what the proper signature format entailed but nonetheless directed me to go to my employers, obtain the proper signatures in the proper format, and resubmit. 

However, I had already checked on the possibility of PSLF with my old serviced ( FedLoan ) and the missing/improper signature was already a known issue for at least one employer. Thus, when I consolidated and resubmitted the PSLF paperwork I ticked the box indicating that I would have difficulty getting signatures/my employer would refuse to certify. This put the responsibility of obtaining the signature in the proper format on MOHELA. To my knowledge, MOHELA has not called any of my employers or requested any corroborating information ( paystubs, W2s, etc. ).

I would also like to add that it has taken MOHELA nearly nine months to even get this far ( a total of 272 days ). The process of checking for a wet-ink signature or appropriately formatted e-signature should only take a matter of seconds, even if done by hand and not using an automated system. Tracking down employers and getting them to submit proper signatures could take more time, but nothing anywhere near nine months. It is unclear if MOHELA did contact the employers but, assuming they did and the employers still did not submit a proper signature, that further implicates MOHELA in failing to follow Department of Education procedures for servicers of student loans. Borrowers should not be responsible for MOHELA 's failure to clearly communicate, nor should borrowers be expected to have any leverage over employers than MOHELA does. Indeed, because adverse interactions with HR can jeopardize further employment, borrowers have arguably much less leverage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-03-01 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: IA

Complaint narrative:
This account is over limit because Capital one is charging {$40.00} late fees on a XXXX balance. This is the definition of junk fees and I hope Capital one is viewed as XXXX of the companies imposing junk fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XXXX i received an alert from XXXX. That i applied for XXXX separate credit cards. XXXXXXXX XXXX, address is XXXX XXXX XXXX XXXX, XXXX Phone is XXXX And XXXXXXXX XXXX, address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone is XXXX I called the number and found out that this call center manages both card company and I was able to file a dispute and was able cancel both cards that was approved today. I requested them to investigate and take my information of credit bureaus inquiries. They said I have to file a complaint CFPB so they can proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XXXX XXXX I did a balance transfer of {$7000.00} on my CapitalOne card from my XXXX. As of XX/XX/2023 the transfer had not posted on my XXXX account. So I called Capitalize One and they researched it and said there had been a mistake and a number was left out of the account # for XXXX. I double checked my part and I had entered it correctly online. The following day the transfer posted on my XXXX account. Which would not of been possible if account number was wrong. Of course by now CapitalOne had cancelled payment. Because of the payment reversal, XXXX now has my account on restriction in that every payment I make is reviewed and not posted to my account immediately. Instead it takes XXXX days. Also because the Capital One credit card is showing that I have max my credit limit, my credit score has lowered significantly and I was turned down for credit. This is effecting my business for a mistake that CapitalOne made. They are telling me it could take XXXX billing cycles before it is credited back. Which is ridiculous for a mistake they made. This means I am paying interest on another credit card because I couldnt transfer the amount and my credit score is still affected. This practice should not be allowed. 30 days should be more than enough time to resolve their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: MN

Complaint narrative:
I called the company and they sent the documents i will attach below XX/XX/XXXX the credit card was paid off and closed the account XX/XX/XXXX taken to collection without being sent any bill for more than a year Or any amount owed showing on 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 2023-03-01 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: Synovus Bank
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX I experienced credit card theft. I alerted First Progress of this event and they removed their late fees and the fraudulent charges associated with the theft. However, they never updated my credit report as they stated they would in this type of situation. I was told that the back office sends this information to the credit bureaus when theft occurs. It's been over a year and it's still showing. On several occasions I have requested that this information be updated with the credit bureaus to remove the false late payment they have reported. Per their instructions I have written, mailed, and faxed my request. I was told the fax was never recieved, even though I have the confirmation that it went through successfully. Their customer service representatives are very rude and unhelpful. I need assistance removing this late payment off my reports bc it's severely affecting my credit rating. I have made every effort to have this corrected. Additionally, I paid the false charges to ensure I didn't recieve a second late payment charge. I've been told that the overpayment was refunded ; however, I haven't recieved it and advised them of such. They stated it was never returned and to request the payment again. I have sent that request as well and haven't recieved my refund. Please assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The company needs file compliant from FTC to placed for them to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: MO

Complaint narrative:
Sagestream is hereby known as The Company. XXXX XXXX is hereby known as The Consumer. The Company has continuously violated The Consumers consumer rights and used stall tactics to prolong its efforts. On 3 separate occasions ; XX/XX/23, XX/XX/23 and XX/XX/23, The Consumer requested copies of his updated consumer report. As of XX/XX/23, The Consumer still has not received a copy of his consumer report. The Company claims to have mailed the correspondence to the consumers address but can not confirm any proof of mailing. The Company also responded to the previous CFPB COMPLAINT ID XXXX with an un-clickable pdf file on XX/XX/23. The CFPB was notified by The Consumer about the un-clickable link by phone and was able to read the complaint response and confirm that the disputed information had not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I already sent disputes to each bureau to have these items removed but they did not remove then, nor prove validation. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : 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