vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: WI

Complaint narrative:
Western Union advertising free transfers from bank to bank, they send a Pin for verifications, however they don't allow online transfer of {$480.00} for second time already. When I contacted mngr today XX/XX/20 at XXXX   XXXX, manager told me that " for verification of identity I have to go to the location. So the spam is that location charge around {$20.00} for the service, which means that while deceptively advirtizing free transfer on reality Western Union is making free transfers impossible. Another words I see it as bite and switch and deceptive advirtizing.

If Western Union was just about to " identity verification '' they should make " location transaction '' free too.

I request to investigate deceptive business practices by Western Union

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/XXXX KIMBALL TIREY STJOHN started reporting to XXXX  that I owed them a debt in the amount of XXXX on the behalf of XXXX XXXX. Because of this a court order was issued garnishing my wages to pay the debt.. On XXXX XXXX the XXXX XXXX Superior Court sent a notice to myself and KIMBALL TIREY STJOHN stating that earnings withholding order had been terminated because the judgement had been PAID IN FULL. KIMBALL TIREY STJOHN is still reporting a balance owed of {$160.00}, as of XX/XX/XXXX, although the court order from the XXXX XXXX Superior court states  that the debt as been paid in full due to wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: CA

Complaint narrative:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I purchased rings at Zales and spent over XXXX, which was fine. When I applied for the credit the card machine/screen was down so you could not read the agreement. I let the customer service rep know, to which she gave me two options. A fixed amount of interest for the entirety of the loan or 18 months free interest. After the 18 months the interest would start on the remaining balance. The balance after 18 months was XXXX I made large payments every month on time every month. I had the account on auto pay and made double the minimum amount. I can provide statements of these payments, I am very conscious about my credit and take it seriously. 

On the 19th month I received a statement stating my balance was now over XXXX. I called Zales right away and notified them there was a billing error. At this time they let me know the " agreement I signed '' stated 18 months is true but only if the entirety of the XXXX was paid in 18 months. If NOT the interest would be added as if the promotion never existed. I was unable to read this or a get a copy of such agreement since the machine was down and the customer service representative lied about this. Had I known this was the agreement I wouldn't have signed because its nearly impossible for someone to pay nearly XXXX in such a short period. 

They charged me over XXXX in interest. I have called Comenity Bank several times throughout the year trying to get the issue fixed I have also wrote several letters. I am more than willing to pay the remaining balance of what is rightfully owed to them, which was XXXX before the billing issue and I am willing to pay interest on the remaining balance because that is what I agreed too. 

I contacted the XXXX a month ago and the company has now reimbursed me XXXX which I am grateful for but is still incorrect. My new balance is now XXXX which is incorrect. I am asking the company to do the right thing which should have been done from the beginning. I would like to pay the remaining balance of what was owed before the issue. I would also appreciate it if they contacted the credit agencies and remove the negative marks I am now facing due their poor customer service and incorrect information they are reporting. I have never been late on ANY payments ( ie : mortgage, cars, credit cards all of them are on autopay. ) I have recently made a payment to Zales even though the amount is still incorrect as good faith showing I am trying to do the right thing. I have also reinstated the auto pay I would just really appreciate it if they did the right thing. I feel as though they are practicing unfair and misleading credit practices in order to get sales and commission. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: FL

Complaint narrative:
Several unauthorized inquiries showed on report that was not approved nor authorized by me. Contacted bureaus on. XX/XX/2019 @ XXXX via fax. They have yet to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX my wife and I attempted to make a small purchase at XXXX when our card was declined due to insufficient funds. We immediately went home to call the bank where we learned that there had been fraudulent activity in the first couple of weeks in XX/XX/XXXX. We then file a claim with the bank for the XX/XX/XXXX fraudulent charges. Upon further conversion with the bank technician, recognizing that there were at least 4 fraudulent charges in XXXX, she asked if this concluded our claim. I advised no, because we did not have online access we would need her to send us a means to reset our access so that we could go online and then determine if any other fraudulent charges had occurred. At that point we reset the password went online and discovered numerous more fraudulent charges dating back to XX/XX/XXXX. The culprit continued to use the card off and on for 3 months. During that time we chalked up our low account balance to holiday spending and travel, even taking out a loan of {$1000.00} due to our low funds and not knowing that all the while someone had compromised our card. 

The vast majority of the purchases occurred at stores that we do not do business with, that are not in our city of residence and most being gas stations that we never do business with. In one day my card was used at 5 different gas stations and yet NetSpend never saw that as being out of the ordinary. We reported the remaining fraudulent purchases to NetSpend having identified claims totaling {$1700.00} within 5 cities including and around XXXX. 

Weve filed a police report and provided it to NetSpend and the police report even includes a picture of the culprit. Who is not someone we know. 

A month later they have denied our claim stating that we used the card after reporting it stolen. That is not true as if we reported the card stolen prior to knowing in XXXX, NetSpend would have closed the card. Again, we did not learn of the fraudulent card use until XX/XX/XXXX, but that unauthorized use began in XX/XX/XXXX. 

What they are basically telling us is that you think we willing committed bank fraud over {$1700.00}. Do you really think my wife, who has an XXXX  XXXX  XXXX, and myself would risk jail time over {$1700.00} We are sickened by this process and the lack of communication from NetSpend. We have filed multiple complaints with the XXXX XXXX XXXX and Texas Attorney General Office regarding this issue and the treatment we have receive from NetSpend. 

We've included a spreadsheet with charges, dates and totals for the fraudulent use of our card.

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 2020-02-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Asset Recovery Solutions, LLC
State: PA

Complaint narrative:
Several of the XXXX XXXX that I am responsible for covering received a high volume of calls asking to speak with me and sometimes multiple times to the same store in a day stating " they had a business  '' deal for me which has caused harm to my reputation within my XXXX  and has created hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: UT

Complaint narrative:
XXXX XXXX has several erroneous charges reporting to my credit. My insurance and Health Share plan are currently paying these off and I never received a notice for any of these collections before they were added. My Health share advised I should not pay these because they have already been paying for them and there is no reason these should be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: UT

Complaint narrative:
XXXX XXXX has several erroneous charges reporting to my credit. My insurance and Health Share plan are currently paying these off and I never received a notice for any of these collections before they were added. My Health share advised I should not pay these because they have already been paying for them and there is no reason these should be 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 2020-02-19 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: CA

Complaint narrative:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

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 2020-02-19 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: CA

Complaint narrative:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

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 2020-02-19 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: UT

Complaint narrative:
XXXX XXXX has several erroneous charges reporting to my credit. My insurance and XXXX XXXX plan are currently paying these off and I never received a notice for any of these collections before they were added. My XXXX XXXX advised I should not pay these because they have already been paying for them and there is no reason these should be 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 2020-02-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Immediate Credit Recovery
State: TX

Complaint narrative:
I have been garnished without notification from Immediate Credit Recovery. I notified the company upon the garnishment and informed them that they must notify me within 30 days prior. According to the representative XXXX XXXX, they assumed I received the notifications and therefore to it upon their selves to submit the garnishment. I agreed to set up a rehabilitation plan and updated my information making a small payment but they continue to find differ reasons not to submit while a payment has been made. This process has caused many problems with my finances and Ive tried to work them. But if I had received any notification I would have made arrangements!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new XXXX - XXXX XXXX. Then using my identity he was able to access my Wells Fargo bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, Wells Fargo has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through Wells Fargo had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified Wells Fargo, the branch as well as the dispute office. I have written Wells Fargo on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over 250 points. Wells Fargo never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, Wells Fargo has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.

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 2020-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Several unauthorized inquiries showed on report that was not approved nor authorized by me. Contacted bureaus on. XX/XX/2019 @ XXXX via fax. They have yet to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Several unauthorized inquiries showed on report that was not approved nor authorized by me. Contacted bureaus on. XX/XX/2019 @ XXXX via fax. They have yet to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
I disputed an unathorized transaction with Renasant Bank at the branch in XXXX XXXX, MS back in XXXX or XX/XX/2019. The amount was {$220.00}. The bank gave me a provisional credit and then on XX/XX/19, they took the money back out of my account. 

I did not authorize the transaction and I would like my money back.

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 2020-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have resubmitted the recertification application for my Income based student loan to NAVIENT in XX/XX/XXXX along with a copy of my paystub that show a 2 week pay period. 
In XXXX, I received emails that my student loan monthly fee was increasing to {$740.00} from my original payment of {$220.00} This monthly payment is automatically deducted from my checking account as my payments are submitted from an auto pay checking account. 

I have tried numerous times to reach out to Navient by phone only to get the call dropped or put on hold for an extended period. I even resubmitted all off the required documents AGAIN only to be told they are collecting {$740.00} from my auto pay checking on XX/XX/XXXX. 
I explained that I had submitted the documents in XXXX and asked if the auto pay date can be extended until the end of the month to ensure the correct amount of {$220.00} could be withdrawn. I was told there was nothing that they could do and that I will be required to pay XXXX regardless of my income based payment plan of XXXX. I explained that I do not have the extra XXXX to pay this amount based on my income as a single adult grandmother with XXXX grandchildren. This creates an extreme hardship on my family as the only money allotted that is left in my account is the rent. I have made an effort for the past year and a half to make on time payments despite the hardship. At this point i will have no choice but to block this payment with my bank to avoid insufficient funds fees and this payment will be reflected as late on my record. 

Please help me - I have asked for a supervisor via my phone follow up with a customer service rep today but was disconnected I am still trying to reach a supervisor at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
After starting a new job in the beginning of XX/XX/XXXX, I changed my bank account with Honda Financial Services. Unfortunately, they still charged my old account which did not have the funds, which led to a reversal of funds and a requirement to pay my lease through the mail. I mailed a payment and on XX/XX/XXXX I spoke to a representative from Honda Financial Services who said my payment was missing. I said " I mailed a payment '' and he said " yes, we have that. '' I said " is that all? I'm busy at work. '' he said " yes. '' and we hung up the phone. 

Assuming the payment was received and cleared, I received a phone call on XX/XX/XXXX stating my account was past due. On that phone call, they said they did not receive my XX/XX/XXXX Payment. I told the representative that I spoke to someone not two weeks before that said my payment was received. He said " it wasn't. '' On that phone call, I paid both months and scheduled my next payment. In four years, I never missed a payment and it's clear that this was a miscommunication. 

I called Honda Financial Services and they would not adjust the payment dates. Again, I have never missed a payment on any of my credit cards or loans. Had I known on XX/XX/XXXX that my payment was not received, I would have paid it right then just like I did on XX/XX/XXXX. This was not a matter of not having the funds, or, being a negligent customer ; this is a matter of miscommunication and I would appreciate if this payment was recorded correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report, and noticed an old account that was closed. It belongs to XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX. I no longer have it and disputed it several times, asking for removal, but the credit agencies have ignored my requests. It is hurting my credit, preventing me from getting new credit cards or other credit products in the future.

Company response to consumer: Closed with explanation